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Free Group Health Insurance Practice Questions

Maryland Accident & Health exam — 40 practice questions.

Subtopics: Master policy, Noncontributory plan, Contributory plan, COBRA, Conversion privilege, Eligibility, Experience rating, 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, 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 a:

Master policy, with employees receiving certificates

The insurer issues a master policy to the group sponsor (employer); covered employees receive certificates of coverage.

2. In a noncontributory group health plan, the premium is paid:

Entirely by the employer

In a noncontributory plan the employer pays the entire premium, and generally 100% participation of eligible employees is required.

3. In a contributory group plan, generally:

Employees pay part of the premium and a participation percentage is required

In contributory plans employees share the premium cost, and insurers require a minimum participation percentage to limit adverse selection.

4. Federal COBRA generally allows certain employees who lose group coverage to:

Continue group coverage for a limited time by paying the premium

COBRA lets qualified beneficiaries continue group health coverage for a limited period after a qualifying event by paying the premium.

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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.