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  4. Group Health Insurance

Free Group Health Insurance Practice Questions

New Hampshire Accident & Health exam — 40 practice questions.

Subtopics: Group underwriting, Master policy, COBRA continuation, Coordination of benefits, Noncontributory plan, Conversion privilege, Actively at work, Master contract, Certificate of coverage, Contributory plan, Eligible groups, 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, 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. Group health insurance underwriting differs from individual underwriting because it generally evaluates:

The group as a whole rather than each member individually

Group underwriting evaluates the characteristics of the group as a whole rather than underwriting each individual member.

2. In a group health plan the contract is issued to the employer as a master policy, and each covered member receives:

A certificate of coverage

The group sponsor holds the master policy while each covered member receives a certificate of coverage.

3. Federal COBRA continuation generally allows an eligible employee who loses group coverage to:

Continue the group coverage for a limited time by paying the premium

COBRA lets eligible individuals continue group coverage for a limited period, generally by paying the premium themselves.

4. The coordination of benefits provision in group health coverage is intended to:

Prevent a claimant from collecting more than the total loss when covered by more than one plan

Coordination of benefits prevents an insured covered by more than one plan from recovering more than the actual expenses.

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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.