CISR LIFE HEALTH PRACTICE EXAM 2 NEWEST 2026 WITH COMPLETE QUESTIONS
AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED
A+||BRAND NEW VERSION!!
Which of the following is NOT an "Eligible Opt-out" for the participation underwriting requirement for a
group health insurance program? - (answer)A voluntary group accident plan
Jimmy has a scheduled surgery. Prior to his checking into the hospital, the surgeon orders diagnostic
tests be performed at an out-patient clinic. This process is part of which cost containment feature? -
(answer)Pre-admission testing (PAT)
Jon is an HR director of an accounting firm. The partners of the firm want to add a Flexible Spending
Account (FSA) to their benefit package. Jon is aware that there is more than one type of FSA. Which of
the following is not an option for Jon to consider? - (answer)Health Reimbursement Accounts
Sue is injured in an automobile accident. She is out on disability for 45 days. While she was disabled, she
was reading through her insurance policies and noticed that her life insurance policy had a disability
waiver rider attached. She asked you if she could receive any income from her life insurance policy.
Which of the following would be you response to Sue? - (answer)The Disability waiver rider pays the life
insurance premium after a waiting period of 3-6 months.
A deductible is a benefit payment provision of a health insurance plan. Usually, a deductible has how
long to accumulate? - (answer)12 months
Medicare Part D may have a coverage gap for people with high drug costs. This gap is often referred to
as which of the following? - (answer)The "donut hole"
Medicare Supplements are available in 10 standard plans, each named with a different letter. Private
insurance companies offer these plans. What is the difference between a Medicare Supplement Part G
being offered by three different companies? - (answer)Premium
A key provision of the Affordable Care Act (ACA) is "Minimum Essential Coverage," which requires that
ACA-compliant health plans offer a plan that has "minimum value" and "affordability." Another key
provision is which of the following? - (answer)Essential Health Benefits
AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED
A+||BRAND NEW VERSION!!
Which of the following is NOT an "Eligible Opt-out" for the participation underwriting requirement for a
group health insurance program? - (answer)A voluntary group accident plan
Jimmy has a scheduled surgery. Prior to his checking into the hospital, the surgeon orders diagnostic
tests be performed at an out-patient clinic. This process is part of which cost containment feature? -
(answer)Pre-admission testing (PAT)
Jon is an HR director of an accounting firm. The partners of the firm want to add a Flexible Spending
Account (FSA) to their benefit package. Jon is aware that there is more than one type of FSA. Which of
the following is not an option for Jon to consider? - (answer)Health Reimbursement Accounts
Sue is injured in an automobile accident. She is out on disability for 45 days. While she was disabled, she
was reading through her insurance policies and noticed that her life insurance policy had a disability
waiver rider attached. She asked you if she could receive any income from her life insurance policy.
Which of the following would be you response to Sue? - (answer)The Disability waiver rider pays the life
insurance premium after a waiting period of 3-6 months.
A deductible is a benefit payment provision of a health insurance plan. Usually, a deductible has how
long to accumulate? - (answer)12 months
Medicare Part D may have a coverage gap for people with high drug costs. This gap is often referred to
as which of the following? - (answer)The "donut hole"
Medicare Supplements are available in 10 standard plans, each named with a different letter. Private
insurance companies offer these plans. What is the difference between a Medicare Supplement Part G
being offered by three different companies? - (answer)Premium
A key provision of the Affordable Care Act (ACA) is "Minimum Essential Coverage," which requires that
ACA-compliant health plans offer a plan that has "minimum value" and "affordability." Another key
provision is which of the following? - (answer)Essential Health Benefits
