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In accident and health insurance underwriting, when the risk imposed by an applicant is similar to the risks imposed by most other applicants, the applicant is:
In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer’s business records?
A certificate of insurance in a group accident and health plan is:
All of the following are basic underwriting actions in accident and health insurance EXCEPT:
Under Maryland law, the agreement between an insurance producer and insurer under which the insurance producer, for compensation, may sell, solicit, or negotiate policies issued by the insurer is defined as:
Coverage for the first three pints of blood for Medicare enrollees is:
An insurance producer's license may be suspended or revoked by:
In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child’s:
An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company’s policy was superior to a competitor’s product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?
When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?
If an insurer pays an individual accident and health insurance claim during a policy’s grace period:
Medical expense insurance typically EXCLUDES coverage for:
When the insured’s willful failure to disclose a material fact at the time of application is discovered by the insurer shortly after the policy is issued:
Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?
Pre-existing conditions include conditions of health that:
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:
A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?
When determining the premiums for large groups, most insurance companies use:
Misrepresenting pertinent policy provisions relating to coverages after a loss is:
Which benefit is usually excluded from accident and health plan coverage?
Which benefit is usually excluded from major medical expense plan coverage?
If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?
To be eligible for major medical extended care benefits, a patient must:
An insurer may pay a commission directly or indirectly to:
An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:
The primary purpose of disability income insurance is to:
The typical group disability income insurance policy EXCLUDES coverage for disability resulting from: