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Free Group Health Insurance Practice Questions

Massachusetts Accident & Health exam — 39 practice questions.

Subtopics: Coordination of benefits, Eligibility, Conversion, Contributory plans, Experience rating, Continuation, 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, Pre-existing conditions group, Self-funded plan, Section 125 plan, Conversion privilege, 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. When a person is covered by two group health plans, coordination of benefits is used to:

Prevent the insured from collecting more than the total expense

Coordination of benefits determines primary and secondary payers so total payment does not exceed the actual expense.

2. In a typical employer group health plan, eligibility for coverage is usually based on:

Full-time active employment and satisfying any waiting period

Group eligibility generally requires being an active full-time employee and meeting the plan's waiting period.

3. A conversion privilege in a group health plan generally allows an eligible person to:

Obtain an individual policy without new evidence of insurability when group coverage ends

A conversion privilege lets a departing member obtain individual coverage without proving insurability within a set time.

4. In a contributory group health plan:

No one pays any premium

In a contributory plan, employees share in paying the premium, which usually requires higher participation percentages.

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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.