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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

1. All of the following are optional group medical coverages EXCEPT

A) dental.
B) vision.
C) prescription drug.
D) maternity.

2. All of the following are characteristics of adverse selection EXCEPT

A) insurance companies cannot discriminate against applicants who have a higher probability of loss.
B) poor underwriting results may occur if too many of the applicants accepted for insurance are those most likely to incur serious losses.
C) people with the greatest probability of loss are the ones most likely to buy insurance.
D) it normally occurs if the premium is low relative to the loss exposure.

3. Beginning January 1, 2014, a health insurance issuer that offers health insurance coverage in the individual market must cover 10 essential health benefits. All of the following benefits are essential health benefits EXCEPT

A) prescription drugs.
B) maternity and newborn care.
C) adult dental coverage
D) laboratory services.

4. Medicare Part B pays for

A) prescription drugs.
B) physicians' services.
C) hospice care.
D) the first 60 days of hospitalization.

5. During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's

A) existing long term care coverage.
B) ability to pay for the coverage.
C) attending physician statement.
D) goals and needs.

Solutions: