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  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Indiana Accident & Health exam — 32 practice questions.

Subtopics: Master contract, Certificate of coverage, Noncontributory plan, Contributory plan, 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, Conversion privilege, 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 actual insurance contract is issued to the:

Group sponsor (such as the employer) as a master contract

The insurer issues a master contract to the group sponsor; individual members receive certificates of coverage.

2. Each covered member of a group health plan receives a:

Certificate of coverage summarizing benefits

Members receive a certificate of coverage describing their benefits and rights under the master contract.

3. In a noncontributory group health plan:

The employer pays the entire premium and generally 100 percent of eligible employees must be covered

In noncontributory plans the employer pays all premium and participation is generally required to be 100 percent of eligibles.

4. In a contributory group health plan, insurers typically require a minimum participation to:

Reduce adverse selection

Requiring a minimum percentage of eligible employees to participate limits adverse selection in contributory plans.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.