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  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Minnesota Accident & Health exam — 40 practice questions.

Subtopics: Eligibility, Master policy, Conversion, Noncontributory plan, COBRA concept, Experience rating, Probationary period, Master contract, Certificate of coverage, Contributory plan, Eligible groups, Group underwriting, 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, 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. Group health insurance generally requires that the group exist for what purpose?

A purpose other than to obtain insurance

To be eligible, a group must generally be formed for a purpose other than obtaining insurance, reducing adverse selection.

2. In group health insurance the contract is issued to whom?

The policyholder such as the employer with certificates to members

The master policy is issued to the group policyholder, such as the employer, while covered members receive certificates of coverage.

3. A conversion privilege in group health coverage generally allows an employee who leaves to do what?

Convert to an individual policy without proving insurability within the allowed time

A conversion privilege lets a departing insured convert to an individual policy, typically without evidence of insurability, within the allowed period.

4. In a noncontributory group health plan what is generally true about participation?

Generally all eligible employees are covered because the employer pays the full premium

In a noncontributory plan the employer pays the entire premium, and generally all eligible employees must be covered to limit adverse selection.

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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.