6/28/25, 9:28
AM
FLORIDA 2-40 HEALTH LICENSE EXAM QUESTIONS WITH COMPLETE
SOLUTIONS VERIFIED GRADED A++ LATEST UPDATE 2025/2026
if an individual health insurance policy provides
a death benefit, the policyowner will be able to
designate a beneficiary and, unless the
owners rights
beneficiary designation is
irrevocable, to change the beneficiary. the power to
change the beneficiary is
provided in the change of beneficiary provision.
the policyowner also has the right to make any
other change without the consent of the
beneficiaries.
the group coverage may be extended to cover
the insureds dependents. eligible dependents
include the insureds children, spouse, dependent
parents, and anyone else upon which
dependency can be proven.
dependent children every policy providing coverage for a dependent
benefits child until a specified age will not terminate that
coverage if the child is dependent upon the
insured and is incapable of self support because
of physical or mental handicaps. proof of the
1/
9
, 6/28/25, 9:28
AM
dependency is required within 31 days of the
child attaining the maximum age. upon request,
proof of dependency is required annually after a
2 year period following attainment of
maximum age
modes of premium higher frequency of payments = higher premium
payment payments
the purpose of the coordination of benefits (COB)
provision, found only in group
nonduplication and health plans, is to avoid duplication of benefit
coordination of payments and overinsurance when an individual
benefits is covered under multiple group health insurance
plans. the provision limits the total amount of
claims paid from all insurers covering the patient
to no more than the total allowable medical
expenses
primary plan the plan that is responsible for providing the full benefit
amounts as it specifies.
once the primary plan has paid its full promised
benefit, the insured submits the claim to the
secondary or excess plan secondary provider for any additional benefits
payable (including
deductibles and coinsurance). in no case will the
total amount the insured receives exceed the
costs incurred or the total maximum benefits
2/
9
AM
FLORIDA 2-40 HEALTH LICENSE EXAM QUESTIONS WITH COMPLETE
SOLUTIONS VERIFIED GRADED A++ LATEST UPDATE 2025/2026
if an individual health insurance policy provides
a death benefit, the policyowner will be able to
designate a beneficiary and, unless the
owners rights
beneficiary designation is
irrevocable, to change the beneficiary. the power to
change the beneficiary is
provided in the change of beneficiary provision.
the policyowner also has the right to make any
other change without the consent of the
beneficiaries.
the group coverage may be extended to cover
the insureds dependents. eligible dependents
include the insureds children, spouse, dependent
parents, and anyone else upon which
dependency can be proven.
dependent children every policy providing coverage for a dependent
benefits child until a specified age will not terminate that
coverage if the child is dependent upon the
insured and is incapable of self support because
of physical or mental handicaps. proof of the
1/
9
, 6/28/25, 9:28
AM
dependency is required within 31 days of the
child attaining the maximum age. upon request,
proof of dependency is required annually after a
2 year period following attainment of
maximum age
modes of premium higher frequency of payments = higher premium
payment payments
the purpose of the coordination of benefits (COB)
provision, found only in group
nonduplication and health plans, is to avoid duplication of benefit
coordination of payments and overinsurance when an individual
benefits is covered under multiple group health insurance
plans. the provision limits the total amount of
claims paid from all insurers covering the patient
to no more than the total allowable medical
expenses
primary plan the plan that is responsible for providing the full benefit
amounts as it specifies.
once the primary plan has paid its full promised
benefit, the insured submits the claim to the
secondary or excess plan secondary provider for any additional benefits
payable (including
deductibles and coinsurance). in no case will the
total amount the insured receives exceed the
costs incurred or the total maximum benefits
2/
9
