NJ Health and Accident Questions and
Answers (2026/2027) | Updated Review |
A+ Verified
• Employer sponsored group health insurance provides coverage for which of the
following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - ✓✓alcoholism
• A Medicare supplement policy can be cancelled by the insurer for -
✓✓Nonpayment
• Which entity is responsible for regulating insurance advertising in NJ? - ✓✓New
Jersey Department of Banking and Insurance
• Which of the following are retained at the expense of an insurance buyer to give
advice on insurance needed by the buyer?
Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents - ✓✓Brokers and consultants
• Written notice for a health claim must be given to the insurer ___ days after the
occurrence of the loss. - ✓✓20
• In which of the following situations would the insurer be liable for a loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank robbery -
✓✓d) The insured suffered an injury as an innocent bystander during a bank
robbery
, • When a Medicare supplement policy is purchased during the open enrollment
period - ✓✓The policy must be issued regardless of health status
• In what form do disability income policies typically pay benefits? - ✓✓Periodic
income
• What is considered to be the primary reason for buying life insurance? -
✓✓Provide death benefits
• A newborn is required to be covered for ____ days from the moment of birth -
✓✓30
• Once an accident and health insurance policy has been in force for ___ year(s),
the policy may NOT be contested by the insurer - ✓✓2
• A doctor who accepts Medicare assignment agrees to which of the following
- Doctor may charge up to a maximum of 15% more than Medicare pays for the
service
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed - ✓✓Doctor
cannot charge more than Medicare's scheduled coverage
• What is issued to each employee with an employer health plan? - ✓✓Certificate
• What is the tax liability for employer contributions in Health Savings Accounts
(HSA's)? - ✓✓No tax payment needed
• All of these are considered sources of information that can assist an underwriter
in determining whether or not to accept a risk EXCEPT
Agent's report
Medical Information Bureau (MIB)
Inspection reports
National Association of Insurance Underwriters - ✓✓National Association of
Insurance Underwriters
Answers (2026/2027) | Updated Review |
A+ Verified
• Employer sponsored group health insurance provides coverage for which of the
following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - ✓✓alcoholism
• A Medicare supplement policy can be cancelled by the insurer for -
✓✓Nonpayment
• Which entity is responsible for regulating insurance advertising in NJ? - ✓✓New
Jersey Department of Banking and Insurance
• Which of the following are retained at the expense of an insurance buyer to give
advice on insurance needed by the buyer?
Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents - ✓✓Brokers and consultants
• Written notice for a health claim must be given to the insurer ___ days after the
occurrence of the loss. - ✓✓20
• In which of the following situations would the insurer be liable for a loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank robbery -
✓✓d) The insured suffered an injury as an innocent bystander during a bank
robbery
, • When a Medicare supplement policy is purchased during the open enrollment
period - ✓✓The policy must be issued regardless of health status
• In what form do disability income policies typically pay benefits? - ✓✓Periodic
income
• What is considered to be the primary reason for buying life insurance? -
✓✓Provide death benefits
• A newborn is required to be covered for ____ days from the moment of birth -
✓✓30
• Once an accident and health insurance policy has been in force for ___ year(s),
the policy may NOT be contested by the insurer - ✓✓2
• A doctor who accepts Medicare assignment agrees to which of the following
- Doctor may charge up to a maximum of 15% more than Medicare pays for the
service
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed - ✓✓Doctor
cannot charge more than Medicare's scheduled coverage
• What is issued to each employee with an employer health plan? - ✓✓Certificate
• What is the tax liability for employer contributions in Health Savings Accounts
(HSA's)? - ✓✓No tax payment needed
• All of these are considered sources of information that can assist an underwriter
in determining whether or not to accept a risk EXCEPT
Agent's report
Medical Information Bureau (MIB)
Inspection reports
National Association of Insurance Underwriters - ✓✓National Association of
Insurance Underwriters
