Accident-and-Health-or-Sickness-Producer Premium Exam Questions

MarylandAccident and Health or Sickness Producer Series 20-24 Exam Questions and Answers

Question 21

Reasonable and customary charges for health care are based primarily on:

Actuarial tables

Insurance industry studies

Average charges within a geographic area

National physician surveys

Question 22

All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

Non-smoker

Non-hazardous occupation

High income

Physically active

Question 23

Medical expense insurance typically EXCLUDES coverage for:

Hospital care extending past 30 days

Expenses incurred for primarily cosmetic surgery

Maternity care benefits

Hospital laboratory tests

Question 24

If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?

Refer the employer to a licensed insurance producer

Help the employer sign-up through the SHOP Exchange

Refer the employer to the carrier where a friend works

Refer the employer to the Maryland Insurance Administration