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  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Idaho Accident & Health exam — 40 practice questions.

Subtopics: Group underwriting, Master policy, COBRA continuation, Evidence of insurability, Contributory plan, Conversion privilege, Experience rating, Master contract, Certificate of coverage, Noncontributory plan, Eligible groups, 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, 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. Underwriting for group health insurance generally evaluates:

Each member individually with a medical exam

Group underwriting evaluates the characteristics of the group as a whole rather than each individual member.

2. In group health insurance, the contract is issued to the employer as the master policy, and each covered employee receives a:

Certificate of coverage

The employer holds the master contract while each covered employee receives a certificate of coverage.

3. Federal COBRA rules generally allow an eligible employee who loses group coverage to:

Continue group health coverage for a limited time by paying the premium

COBRA lets eligible individuals continue group health coverage for a limited period by paying the applicable premium.

4. An employee who enrolls in noncontributory group health coverage when first eligible generally:

Is not required to provide individual evidence of insurability

Eligible employees enrolling on time in group coverage generally are not required to submit individual evidence of insurability.

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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.