Fl Health Agent 240 Study Guide Questions And Correct Answers

Members of the ___________ include state and territorial insurance commissioners or regulators. {Ans: National Association of Insurance Commissioners (NAIC)}The terms "usual, customary, and reasonable" refer to which of the following? {Ans: The average charge for a medical procedure, treatment, or service in a defined geographical area}Fraternal insurance companies are owned by: {Ans: Members}Upon joining an HMO, the plan will require the subscriber to select a: {Ans: Primary Care Physician, also known as a Gatekeeper.}A general report of the applicant's finances, character, morals, work, hobbies and other habits. It is sometimes called an Inspection Report. {Ans: Consumer Investigative Report}Howard talks to his agent Jane about buying a critical illness policy from the XYZ insurance company to cover his wife Deborah, and naming his daughter Mary as the beneficiary in case of death. Jane told him that she would need signatures from all of the following, except: {Ans: Mary, Beneficiaries are not required to sign.}An application for health insurance includes all of the following information, except: {Ans: Attending physician's statement}____________ is the initial step of the total process of insuring a health risk. {Ans: Field underwriting}Which of the following is NOT one of the