HEALTH INSURANCE OHIO EXAM QUESTIONS AND ANSWERS 2025
The type of policy where the insurer can send a notice to the insured that the policy has been cancelled
in the middle of the term is called - (ANSWER)cancelable
Krissa purchases a 10-year level term life insurance policy that has a death benefit of $200,000. Which of
these statements is true?
The policy automatically converts to whole life after the 10-year period - (ANSWER)The face amount
and premium will remain constant over the 10 year period
Which of the following provides Medicare supplement policies? - (ANSWER)Private insurance companies
Under the Health Insurance Portability and Accountability Act (HIPAA), the employee's new Group
Health Plan will verify Creditable Coverage so that the - (ANSWER)employee's waiting period for
coverage of a preexisting condition can be reduced under the new employer's health plan
Which of the following is typically NOT eligible for the coverage in a group health policy? -
(ANSWER)Temporary employee
Which of the following is a reinstatement condition? - (ANSWER)Proof of insurability
Ohio requires that a licensee complete ______ hours of continuing education on the subject of ethics
every reporting period. - (ANSWER)3
Carole is a licensed agent who lives in Michigan and transacts insurance in Ohio. In Ohio, Carole is
considered to be a - (ANSWER)nonresident agent
Long- term care insurance applications must contain plain and unambiguous health questions. The
exception to this rule would be applications for - (ANSWER)guaranteed issue
Continuous 24- hour care provided by licensed medical professionals under the direct supervision of a
physician is called - (ANSWER)skilled nursing care
, HEALTH INSURANCE OHIO EXAM QUESTIONS AND ANSWERS 2025
The entire contract includes the actual policy and the - (ANSWER)application
The branch of dentistry which deals with the replacement of missing parts is called -
(ANSWER)Prosthodontics
An agent's license has been suspended for non-renewal. The agent my apply for reinstatement -
(ANSWER)within 12 months of the license renewal date
Which of the following is an annuity that is linked to a market-related index? - (ANSWER)Equity- indexed
annuity
A closed network plan offers a a primary physician copay of $25. If a subscriber chooses a primary care
physician outside of the network, the subscriber will likely pay - (ANSWER)100% of the billed amount
An accident and health insurer has just received written proof of loss from one of its insureds. The
insured must now wait 60 days before - (ANSWER)bringing legal action against the insurer
An individual most likely will have an insurable interest in insuring a person's life if - (ANSWER)An
economic interest exists for the continuance of the insured's life
According to the Health Insurance Portability and Accountability Act (HIPPA), when can a group health
policy renewal be denied? - (ANSWER)Participation or contribution rules have been violated
Medicaid is a government-funded program designed to provide health care to - (ANSWER)poor people
Medicare Part A does not pay for medical benefits provided for the treatment in a skilled nursing facility
beyond - (ANSWER)100 days
A partial surrender in which of the following life policies? - (ANSWER)universal life
The type of policy where the insurer can send a notice to the insured that the policy has been cancelled
in the middle of the term is called - (ANSWER)cancelable
Krissa purchases a 10-year level term life insurance policy that has a death benefit of $200,000. Which of
these statements is true?
The policy automatically converts to whole life after the 10-year period - (ANSWER)The face amount
and premium will remain constant over the 10 year period
Which of the following provides Medicare supplement policies? - (ANSWER)Private insurance companies
Under the Health Insurance Portability and Accountability Act (HIPAA), the employee's new Group
Health Plan will verify Creditable Coverage so that the - (ANSWER)employee's waiting period for
coverage of a preexisting condition can be reduced under the new employer's health plan
Which of the following is typically NOT eligible for the coverage in a group health policy? -
(ANSWER)Temporary employee
Which of the following is a reinstatement condition? - (ANSWER)Proof of insurability
Ohio requires that a licensee complete ______ hours of continuing education on the subject of ethics
every reporting period. - (ANSWER)3
Carole is a licensed agent who lives in Michigan and transacts insurance in Ohio. In Ohio, Carole is
considered to be a - (ANSWER)nonresident agent
Long- term care insurance applications must contain plain and unambiguous health questions. The
exception to this rule would be applications for - (ANSWER)guaranteed issue
Continuous 24- hour care provided by licensed medical professionals under the direct supervision of a
physician is called - (ANSWER)skilled nursing care
, HEALTH INSURANCE OHIO EXAM QUESTIONS AND ANSWERS 2025
The entire contract includes the actual policy and the - (ANSWER)application
The branch of dentistry which deals with the replacement of missing parts is called -
(ANSWER)Prosthodontics
An agent's license has been suspended for non-renewal. The agent my apply for reinstatement -
(ANSWER)within 12 months of the license renewal date
Which of the following is an annuity that is linked to a market-related index? - (ANSWER)Equity- indexed
annuity
A closed network plan offers a a primary physician copay of $25. If a subscriber chooses a primary care
physician outside of the network, the subscriber will likely pay - (ANSWER)100% of the billed amount
An accident and health insurer has just received written proof of loss from one of its insureds. The
insured must now wait 60 days before - (ANSWER)bringing legal action against the insurer
An individual most likely will have an insurable interest in insuring a person's life if - (ANSWER)An
economic interest exists for the continuance of the insured's life
According to the Health Insurance Portability and Accountability Act (HIPPA), when can a group health
policy renewal be denied? - (ANSWER)Participation or contribution rules have been violated
Medicaid is a government-funded program designed to provide health care to - (ANSWER)poor people
Medicare Part A does not pay for medical benefits provided for the treatment in a skilled nursing facility
beyond - (ANSWER)100 days
A partial surrender in which of the following life policies? - (ANSWER)universal life
