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  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Wisconsin Accident & Health exam — 40 practice questions.

Subtopics: Master contract, Certificate of coverage, Noncontributory plan, Contributory plan, COBRA concept, Conversion privilege, Eligibility, 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, 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. In group health insurance, the master contract is held by:

The group sponsor, such as the employer

The group policyholder (often the employer) holds the master contract; covered members receive certificates.

2. Each covered member of a group health plan receives:

A certificate of coverage describing benefits

Members receive a certificate summarizing their coverage under the group master contract.

3. 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 typically all eligible employees must be covered.

4. In a contributory group plan, employees:

Pay part of the premium and usually a minimum percentage must enroll

Contributory plans require employees to share premium costs, and insurers usually require a minimum participation percentage.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.