NYS Life, Health and Accident question and
answers verified 2023/2024
In New York, how must all medical expense health insurance sold to individuals or small groups be rated?
- answer- Community rated
Under the Affordable Care Act, what percentage of preventive care must be covered without cost
sharing? - answer- 100%
Which of the following is NOT covered under Plan A in Medigap insurance? - answer- The Medicare Part
A deductible
Which of the following is another name for a primary care physician in an HMO? - answer- The Medicare
Part A deductible
Which of the following is another name for a primary care physician in an HMO? - answer- Gatekeeper
Which statement accurately describes group disability income insurance? - answer- The extent of
benefits is determined by the insured's income.
Twenty-five days after a health insurance policy is delivered, the policyowner decides that she would like
to return the policy and receive a refund of premium. Which of the following is true? - answer- The
policyowner will not receive a refund because the free-look period is over.
An insured's disability income policy includes an additional monthly benefit rider. For how many years
can the insured expect to receive payment from the insurer before Social Security benefits begin? -
answer- 1
Medicaid is sponsored by what kind of sources? - answer- state and fed
answers verified 2023/2024
In New York, how must all medical expense health insurance sold to individuals or small groups be rated?
- answer- Community rated
Under the Affordable Care Act, what percentage of preventive care must be covered without cost
sharing? - answer- 100%
Which of the following is NOT covered under Plan A in Medigap insurance? - answer- The Medicare Part
A deductible
Which of the following is another name for a primary care physician in an HMO? - answer- The Medicare
Part A deductible
Which of the following is another name for a primary care physician in an HMO? - answer- Gatekeeper
Which statement accurately describes group disability income insurance? - answer- The extent of
benefits is determined by the insured's income.
Twenty-five days after a health insurance policy is delivered, the policyowner decides that she would like
to return the policy and receive a refund of premium. Which of the following is true? - answer- The
policyowner will not receive a refund because the free-look period is over.
An insured's disability income policy includes an additional monthly benefit rider. For how many years
can the insured expect to receive payment from the insurer before Social Security benefits begin? -
answer- 1
Medicaid is sponsored by what kind of sources? - answer- state and fed
