1. A health insurer that wishes to transact business in Arkansas must first obtain from the Insurance Department a:

Certificate of authority

An insurer must hold a certificate of authority from the Arkansas Insurance Department before transacting insurance in the state.

2. An Arkansas producer who sells only health insurance must hold which line of authority?

Accident and health

Selling health coverage requires the accident and health line of authority on the producer's Arkansas license.

3. Under Arkansas's external review process, an insured who disagrees with a health plan's final denial of a covered service may generally request:

An independent external review of the decision

External review lets an insured have an independent reviewer evaluate a health plan's final adverse benefit determination.

4. Arkansas requires health insurers to deliver to applicants an outline of coverage primarily so that the consumer can:

Understand the policy's benefits and limitations before buying

The outline of coverage helps the applicant understand the benefits and limitations before purchasing the policy.