North Carolina Health Insurance State Exam Prep |Newest Actual Test Questions & Expertly Verified Answers | 2026 | 2027 (Rated A+)

North Carolina Health Insurance State Exam Prep |Newest Actual Test Questions & Expertly Verified Answers | 2026 | 2027 (Rated A+) Quiz_________________? A 66 year -old is covered under a group health plan while employed with a business that has 40 employees. If she injures herself while walking in the park, what coverage would be considered primary? - ANSWER Her group health plan (if the employer has more than 20 employees, the group health plan generally pays first) Quiz_________________? A disability elimination period is best described as - ANSWER time deductible Quiz_________________? a payment for damage or loss - ANSWER indemnity Quiz_________________? a prepaid application for individual disability income insurance was recently submitted to an insurer. When the insurer received the MIB report, the report showed that the applicant had suffered a stroke 18 months ago, something that was not disclosed on the application. Which of the following actions would the insurance company not take? - ANSWER send a notice to the MIB that the applicant was declined Quiz_________________? An accident policy will most likely pay a benefit for a(n) - ANSWER off-the -job accident Quiz_________________? an applicant's medical information received by the medical information Bureau may be furnished to the - ANSWER applicants physician Quiz_________________? an incomplete health insurance application submitted to an insurer will result in which of these actions? - ANSWER application will be returned to the writing producer Quiz_________________? an insurance applicant was recently denied insurance coverage. The applicant is requesting access from the insurer to recorded personal information regarding this decision. Under the information and privacy protection act, the insurer must make the minimum information within how many business days? - ANSWER 30 Quiz_________________? an insured pays premiums on an annual basis for an individual health insurance policy. What is the minimum number of days for the grace. Provision? - ANSWER 31 Quiz_________________? Basic Hospital and Surgical policy benefits are - ANSWER lower than the actual expenses incurred Quiz_________________? Essential benefits without annual and lifetime limits are required on any health policy purchased - ANSWER through the federal marketplace Quiz_________________? how long is the free look. For accident and health policies sold in North Carolina? - ANSWER 10 days Quiz_________________? how many days must an insurer provide an insured with claim forms after receiving notice of a loss? - ANSWER 15 Quiz_________________? If several family members are injured in the same accident, only one deductible is applied. - ANSWER Common Accident Deductible