Pearson Vue National Health
Insurance Practice Test 2025-2026.
Questions and Correct Verified
Answers. Graded A
A Disability Income policy may provide benefits for which of the following
losses?
A. Residual Disability
B. Catastrophic medical expenses
C. Long term care
D. Supplemental payments to Medicare - ANSa
A group long-term disability plan is integrated with Social Security when
which of the following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum limit.
B. Full group benefits are paid in addition to Social Security benefits.
C. Full Social Security benefits are paid after group benefits are exhausted.
1
,D. Half of the allowable Social Security benefits are paid after group
benefits are exhausted. - ANSa
A health care plan that reimburses a flat fee for medical care it provides at
a clinic it owns and operates is referred to as:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSa
A married insured has an Accidental Death and Dismemberment (AD&D)
policy that names his brother as the primary beneficiary and his son as the
contingent beneficiary. If the insured and his brother are both killed
instantly in a train accident, the policy proceeds would be paid to which of
the following?
A. The insured's estate
B. The brother's estate
C. The insured's son
D. The insured's spouse - ANSc
2
, A precertification review prior to a nonemergency hospitalization is an
example of:
A. managed care
B. Medicaid
C. Medicare
D. Disability Income - ANSa
A producer and an applicant complete an application for a health policy and
submit it to the insurer for underwriting without any premium. The
underwriter issues a policy and mails it to the producer for delivery to the
applicant. The producer should take all of the following actions during the
delivery of the policy to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date
- ANSb
3
Insurance Practice Test 2025-2026.
Questions and Correct Verified
Answers. Graded A
A Disability Income policy may provide benefits for which of the following
losses?
A. Residual Disability
B. Catastrophic medical expenses
C. Long term care
D. Supplemental payments to Medicare - ANSa
A group long-term disability plan is integrated with Social Security when
which of the following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum limit.
B. Full group benefits are paid in addition to Social Security benefits.
C. Full Social Security benefits are paid after group benefits are exhausted.
1
,D. Half of the allowable Social Security benefits are paid after group
benefits are exhausted. - ANSa
A health care plan that reimburses a flat fee for medical care it provides at
a clinic it owns and operates is referred to as:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSa
A married insured has an Accidental Death and Dismemberment (AD&D)
policy that names his brother as the primary beneficiary and his son as the
contingent beneficiary. If the insured and his brother are both killed
instantly in a train accident, the policy proceeds would be paid to which of
the following?
A. The insured's estate
B. The brother's estate
C. The insured's son
D. The insured's spouse - ANSc
2
, A precertification review prior to a nonemergency hospitalization is an
example of:
A. managed care
B. Medicaid
C. Medicare
D. Disability Income - ANSa
A producer and an applicant complete an application for a health policy and
submit it to the insurer for underwriting without any premium. The
underwriter issues a policy and mails it to the producer for delivery to the
applicant. The producer should take all of the following actions during the
delivery of the policy to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date
- ANSb
3
