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  2. Alabama
  3. Accident & Health
  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Alabama Accident & Health exam — 40 practice questions.

Subtopics: Master policy, Certificate, Underwriting basis, Noncontributory plan, Contributory plan, COBRA continuation, Conversion privilege, Master contract, Certificate of coverage, Eligible groups, Group underwriting, Probationary period, Open enrollment, COBRA eligibility, COBRA duration termination, COBRA duration 36 months, COBRA premium, Coordination of benefits, Pre-existing conditions group, Self-funded plan, Section 125 plan, Experience rating, Community rating, Minimum participation requirement, Actively-at-work provision, Late enrollee, COBRA qualifying events, COBRA election period, ERISA summary plan description, ERISA fiduciary standards, Multiple Employer Welfare Arrangement, Multiple Employer Trust, Dependent eligibility, Specific stop-loss insurance, Family and Medical Leave Act coverage, Small group guaranteed renewability

Read the Group Health Insurance study guide

Sample questions & answers

1. In group health insurance, the contract is issued to the employer as the:

Master policyholder

The group contract (master policy) is issued to the employer/sponsor; insureds receive certificates of coverage.

2. Individual group members typically receive evidence of their coverage in the form of a:

Certificate of insurance

Each covered member receives a certificate summarizing their coverage under the group master policy.

3. Group health underwriting primarily evaluates:

The group as a whole and its characteristics

Group underwriting assesses the overall group's risk characteristics rather than each individual member.

4. In a noncontributory group plan, the employer:

Pays the entire premium and generally must cover 100% of eligible employees

In a noncontributory plan the employer pays the full premium, and typically all eligible employees must be covered.

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Practice: Group Health Insurance

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.