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Accident-and-Health-or-Sickness-Producer PDF Practice Q&A's
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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Types of Health Insurance Policies | 20-25% | - Disability income insurance - Group health insurance - Individual health insurance - Long-term care insurance - Dental and vision insurance - Medicare and Medicaid |
| Social Insurance Programs | 8-12% | - Medicare Part A, B, C, D - Medicaid programs - Social Security disability benefits - CHIP (Children's Health Insurance Program) |
| Marketing Practices | 8-12% | - Advertising guidelines - Prohibited practices - Marketing regulations - Producer responsibilities |
| Maryland Insurance Laws and Regulations | 20-25% | - Producer licensing requirements - Unfair claim settlement practices - Violations and penalty provisions - Privacy and confidentiality requirements - Consumer protection regulations - Maryland Insurance Code |
| Field Underwriting and Application Process | 8-12% | - Medical underwriting - Risk classification - Application procedures - Agent responsibilities in enrollment |
| Policy Provisions and Clauses | 18-22% | - Benefit periods - Deductibles and copayments - Waiting periods - Preexisting condition clauses - Coverage terms and conditions - Exclusions and limitations |
Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
After completing an application for insurance, the insurance producer collects the premiums but deposits the check in the insurance producer's checking account. What crime has been committed?
- A. Rebating
- B. Replacement
- C. Twisting
- D. Fraud
Correct Answer: D 🗳️
All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:
- A. Non-hazardous occupation
- B. Non-smoker
- C. High income
- D. Physically active
Correct Answer: C 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
All of the following are true of insurance EXCEPT:
- A. It is a means of sharing losses
- B. It eliminates risk
- C. It protects against uncertainty
- D. It transfers risk
Correct Answer: B 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
Which of the following is NOT a mandated benefit in Maryland?
- A. Treatment of mental illness
- B. Treatment of substance abuse
- C. Hearing aids for children
- D. Weight reduction programs
Correct Answer: D 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
Reasonable and customary charges for health care are based primarily on:
- A. Average charges within a geographic area
- B. Insurance industry studies
- C. Actuarial tables
- D. National physician surveys
Correct Answer: A 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
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