Health Laws

Question 1

What three things are a requirement in advertising health insurance policies using testimonials?

Answer 1

1. It must be genuine and represent the current opinion of the author.
2. It must be applicable to the policy advertised.
3. It must be accurately reproduced.

Question 2

Under the individual health policy general provisions it states that a health policy must have a free look period of how many days unless it is a single–premium nonrenewable policy?

Answer 2

10 days.

Question 3

If two group health plans cannot coordinate benefits within 30 days after receiving all of the information needed to pay a claim the plans must:

Answer 3

Equally share allowable expenses and coordinate benefits and recover from each other accordingly after paying the claim.

Question 4

What should be provided to a prospective Medicare supplement policy or certificate client along with an Outline of Coverage?

Answer 4

A Shopper’s Guide.

Question 5

Under what conditions can ensure deny or rescind long-term care coverage?

Answer 5

If it is found that material misstatements were made on the application for coverage.

Question 6

An individual long-term care policy may not define the term “pre-existing condition” more restrictively than a condition for which medical advisor treatment was recommended by or received from healthcare provider within how many months preceding the effective date of coverage?

Answer 6

6 months.