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  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Nebraska Accident & Health exam — 40 practice questions.

Subtopics: Master policy, Certificate of coverage, Noncontributory plan, Participation requirement, Continuation rights, Conversion privilege, Experience rating, Master contract, 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, 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 single contract is issued to the employer or sponsor as the:

Master policyholder

The employer or sponsor receives the master policy while members receive certificates of coverage.

2. Individual members of a group health plan receive evidence of their coverage in the form of a:

Certificate of insurance

Each covered member receives a certificate of insurance summarizing the coverage provided under the group plan.

3. A group health plan in which the employer pays the entire premium is described as:

Noncontributory

In a noncontributory plan the employer pays the full premium, and 100 percent participation is generally required.

4. Insurers require a high percentage of eligible employees to enroll in a contributory plan mainly to:

Reduce adverse selection

Minimum participation requirements help reduce adverse selection within the group.

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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.