Pearson Vue Health Insurance
Practice Test Exam Questions &
Answers (Grade A+)
Charges for which of the following items is NOT considered a
covered expense under a Medicare Supplement policy (Part B)? -
correct answer ✅Dental services
Health insurance policies are offered on a "take it or leave it" basis
and referred to as which of the following types of contracts? -
correct answer ✅Contracts of Adhesion
Under the Claims Forms provision of a health policy, if the
insurance company fails to send claim forms within the time period
required, the insured should: -
correct answer ✅Submit the claim in any form, which must be
accepted by the company as adequate proof of loss
In an Accidental Death and Dismemberment (AD&D) policy, capital
sum refers to: -
correct answer ✅A lump sum payment made for an accidental
dismemberment
The Coordination of Benefits clause found in group health master
contracts is used to: -
,Pearson Vue Health Insurance
Practice Test Exam Questions &
Answers (Grade A+)
correct answer ✅Avoid double payment of benefits to an insured
who has duplicate group coverages
Which of the following definitions MOST accurately describes the
Probationary Period? -
correct answer ✅The waiting period a new hire must satisfy prior
to becoming eligible for group health coverage
A Health Maintenance Organization (HMO) differs from a traditional
insurer in that an HMO: -
correct answer ✅Emphasizes preventive medicine
A married insured has an Accidental Death and Dismemberment
(AD&D) policy that names their sibling as the primary beneficiary
and their child as the contingent beneficiary. If the insured and
their sibling are both killed instantly in a train accident, the policy
proceeds would be paid to which of the following? -
correct answer ✅The insured's child
The Social Security program provides all of the following benefits
EXCEPT: -
correct answer ✅Workers compensation
,Pearson Vue Health Insurance
Practice Test Exam Questions &
Answers (Grade A+)
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to: -
correct answer ✅Increase the premium rate for an entire class of
insureds
A Disability Income policy may provide benefits for which of the
following losses? -
correct answer ✅Residual Disability
Which of the following statements about the Medicare program is
CORRECT? -
correct answer ✅It is a federally sponsored program.
A child has a physical impairment, attends school, and is incapable
of self-sustaining employment and/or self care. Which of the
following statements is CORRECT about the child's medical
coverage under their parent's group plan? -
correct answer ✅The child's coverage continues as long as they
are continually incapacitated and financially dependent on their
parent.
, Pearson Vue Health Insurance
Practice Test Exam Questions &
Answers (Grade A+)
Suicide, pre-existing conditions and self-inflicted injuries are dealt
with in which of the following policy features? -
correct answer ✅Exclusions
The PRIMARY purpose of Medicaid is to: -
correct answer ✅Provide Medical Expense coverage to persons
below certain minimum income requirements
Which of the following provisions designates to whom claim
payments are made? -
correct answer ✅Payment of Claims
Under an Accidental Death and Dismemberment (AD&D) policy,
insurable interest must exist at which of the following times? -
correct answer ✅At the inception of the policy
When periodic claim payments are required under a long-term
disability income policy, an insurer MUST make payments to an
insured at least once every: -
correct answer ✅Month
Practice Test Exam Questions &
Answers (Grade A+)
Charges for which of the following items is NOT considered a
covered expense under a Medicare Supplement policy (Part B)? -
correct answer ✅Dental services
Health insurance policies are offered on a "take it or leave it" basis
and referred to as which of the following types of contracts? -
correct answer ✅Contracts of Adhesion
Under the Claims Forms provision of a health policy, if the
insurance company fails to send claim forms within the time period
required, the insured should: -
correct answer ✅Submit the claim in any form, which must be
accepted by the company as adequate proof of loss
In an Accidental Death and Dismemberment (AD&D) policy, capital
sum refers to: -
correct answer ✅A lump sum payment made for an accidental
dismemberment
The Coordination of Benefits clause found in group health master
contracts is used to: -
,Pearson Vue Health Insurance
Practice Test Exam Questions &
Answers (Grade A+)
correct answer ✅Avoid double payment of benefits to an insured
who has duplicate group coverages
Which of the following definitions MOST accurately describes the
Probationary Period? -
correct answer ✅The waiting period a new hire must satisfy prior
to becoming eligible for group health coverage
A Health Maintenance Organization (HMO) differs from a traditional
insurer in that an HMO: -
correct answer ✅Emphasizes preventive medicine
A married insured has an Accidental Death and Dismemberment
(AD&D) policy that names their sibling as the primary beneficiary
and their child as the contingent beneficiary. If the insured and
their sibling are both killed instantly in a train accident, the policy
proceeds would be paid to which of the following? -
correct answer ✅The insured's child
The Social Security program provides all of the following benefits
EXCEPT: -
correct answer ✅Workers compensation
,Pearson Vue Health Insurance
Practice Test Exam Questions &
Answers (Grade A+)
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to: -
correct answer ✅Increase the premium rate for an entire class of
insureds
A Disability Income policy may provide benefits for which of the
following losses? -
correct answer ✅Residual Disability
Which of the following statements about the Medicare program is
CORRECT? -
correct answer ✅It is a federally sponsored program.
A child has a physical impairment, attends school, and is incapable
of self-sustaining employment and/or self care. Which of the
following statements is CORRECT about the child's medical
coverage under their parent's group plan? -
correct answer ✅The child's coverage continues as long as they
are continually incapacitated and financially dependent on their
parent.
, Pearson Vue Health Insurance
Practice Test Exam Questions &
Answers (Grade A+)
Suicide, pre-existing conditions and self-inflicted injuries are dealt
with in which of the following policy features? -
correct answer ✅Exclusions
The PRIMARY purpose of Medicaid is to: -
correct answer ✅Provide Medical Expense coverage to persons
below certain minimum income requirements
Which of the following provisions designates to whom claim
payments are made? -
correct answer ✅Payment of Claims
Under an Accidental Death and Dismemberment (AD&D) policy,
insurable interest must exist at which of the following times? -
correct answer ✅At the inception of the policy
When periodic claim payments are required under a long-term
disability income policy, an insurer MUST make payments to an
insured at least once every: -
correct answer ✅Month
