Podcast
Questions and Answers
Which type of major medical policy deductible is not considered a common type?
Which type of major medical policy deductible is not considered a common type?
What kind of medical expense policy offers payments based on the length of hospital stay?
What kind of medical expense policy offers payments based on the length of hospital stay?
Which type of insurance specifically addresses high costs related to certain illnesses?
Which type of insurance specifically addresses high costs related to certain illnesses?
In the event of an accident, which aspect is most likely to be covered by William's disability income policy?
In the event of an accident, which aspect is most likely to be covered by William's disability income policy?
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What type of insurance should Cathy purchase to protect a substantial part of her income if she becomes disabled?
What type of insurance should Cathy purchase to protect a substantial part of her income if she becomes disabled?
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What is the total amount the insurer paid for Ed's accidents?
What is the total amount the insurer paid for Ed's accidents?
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Which statement regarding total disability defined as 'own occupation' is inaccurate?
Which statement regarding total disability defined as 'own occupation' is inaccurate?
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What does the term 'Schedule of Benefits' refer to?
What does the term 'Schedule of Benefits' refer to?
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Which term is related to payments made for partial disabilities?
Which term is related to payments made for partial disabilities?
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How does Scheduled Coverage in a Major Medical Plan compare to a Basic Medical Expense Plan?
How does Scheduled Coverage in a Major Medical Plan compare to a Basic Medical Expense Plan?
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What type of policy primarily provides benefits for surgical procedures?
What type of policy primarily provides benefits for surgical procedures?
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What type of payment did Hank receive for his hospitalization?
What type of payment did Hank receive for his hospitalization?
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In Claim #1, what amount does the insurer cover after the deductible?
In Claim #1, what amount does the insurer cover after the deductible?
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What is the role of a Common Accident Provision in Ed's policy?
What is the role of a Common Accident Provision in Ed's policy?
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What would lead to Hank receiving a refund from his doctor?
What would lead to Hank receiving a refund from his doctor?
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What is the amount covered by the insurer in Claim #2 after the deductible?
What is the amount covered by the insurer in Claim #2 after the deductible?
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What is the main purpose of Medicaid in California?
What is the main purpose of Medicaid in California?
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Which service is NOT typically included in LTC policies providing homecare benefits?
Which service is NOT typically included in LTC policies providing homecare benefits?
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What is Part A of Medicare commonly referred to as?
What is Part A of Medicare commonly referred to as?
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What must an insurer do if they offer any Medicare Supplement plans?
What must an insurer do if they offer any Medicare Supplement plans?
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Which of the following describes Long-Term Care?
Which of the following describes Long-Term Care?
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Which of the following would NOT be considered an approved Long-Term Care facility?
Which of the following would NOT be considered an approved Long-Term Care facility?
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Which condition is NOT an exclusion in most insurance policies?
Which condition is NOT an exclusion in most insurance policies?
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What type of coverage is specifically designed to relieve the burden on the caregiver in an LTC situation?
What type of coverage is specifically designed to relieve the burden on the caregiver in an LTC situation?
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Which definition of Long-Term Care is incorrect?
Which definition of Long-Term Care is incorrect?
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How is a preexisting condition defined in relation to an LTC policy?
How is a preexisting condition defined in relation to an LTC policy?
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Which of the following is true regarding Medicare Supplement insurance?
Which of the following is true regarding Medicare Supplement insurance?
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What is the focus of Respite Care in Long-Term Care?
What is the focus of Respite Care in Long-Term Care?
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Which of the following services is primarily aimed at providing care during the day while caregivers are at work?
Which of the following services is primarily aimed at providing care during the day while caregivers are at work?
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Which program offers supplemental income to individuals who are aged, blind, or disabled?
Which program offers supplemental income to individuals who are aged, blind, or disabled?
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An LTC policy may NOT terminate coverage based on which of the following reasons?
An LTC policy may NOT terminate coverage based on which of the following reasons?
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What is the primary focus of hospice services in an LTC context?
What is the primary focus of hospice services in an LTC context?
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Which of the following statements about Medicare Supplement policies is false?
Which of the following statements about Medicare Supplement policies is false?
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Which action is NOT required from an agent when soliciting Medicare supplements?
Which action is NOT required from an agent when soliciting Medicare supplements?
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Which of the following is NOT considered a category level of long-term care?
Which of the following is NOT considered a category level of long-term care?
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What term describes the short rest period provided for a family caregiver in long-term care insurance?
What term describes the short rest period provided for a family caregiver in long-term care insurance?
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Which type of care in a long-term care policy focuses on helping with daily living activities such as bathing and dressing?
Which type of care in a long-term care policy focuses on helping with daily living activities such as bathing and dressing?
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At what age can an individual apply for Medicare Supplement policies without providing evidence of insurability?
At what age can an individual apply for Medicare Supplement policies without providing evidence of insurability?
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Who is eligible to receive Medicare Supplement policies?
Who is eligible to receive Medicare Supplement policies?
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What must Medicare Supplement policies do regarding benefits relative to Medicare?
What must Medicare Supplement policies do regarding benefits relative to Medicare?
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What is the time limit for proving a loss according to the Proof of Loss Provision?
What is the time limit for proving a loss according to the Proof of Loss Provision?
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What happens if an insured changes to a more hazardous occupation and files a claim?
What happens if an insured changes to a more hazardous occupation and files a claim?
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Which of the following statements about notifying the insurer of a change of occupation is true?
Which of the following statements about notifying the insurer of a change of occupation is true?
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Under which provision can an insurer deny liability if the insured is intoxicated at the time of loss?
Under which provision can an insurer deny liability if the insured is intoxicated at the time of loss?
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What is the role of Optional Uniform Provisions in an insurance policy?
What is the role of Optional Uniform Provisions in an insurance policy?
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If Albert was injured while committing an illegal act, what is the likely outcome of his insurance claim?
If Albert was injured while committing an illegal act, what is the likely outcome of his insurance claim?
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What must an insured do if they change to a less hazardous occupation?
What must an insured do if they change to a less hazardous occupation?
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What can happen if an insured does not notify their insurer about working in two occupations?
What can happen if an insured does not notify their insurer about working in two occupations?
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Description
Test your knowledge on various health insurance policies and related terms. This quiz covers deductibles, disability income policies, and benefits associated with hospitalization. See how well you understand the intricacies of medical expense policies.
