Accident And Health Insurance Exam Questions With Answers (230 Quest) Latest 2024

All of the following are required disclosure forms at application EXCEPT: A: HIPAA B: HIV C: MIB D: None of the Above {Ans: C: MIB}N has a PPO and has a terrible sinus infection. N decides to go straight to an in-network Ear, Nose and Throat specialist for an office visit. Which of the following is most likely to occur? A: The PPO will cover N's claim and give the best discount under the contract. B: The PPO will deny the claim even though it is in-network. C: The PPO will cover the claim as long as N has a referral at the time of service. D: The PPO will cover the claim with extra premium required. {Ans: A: The PPO will cover N's claim and give the best discount under the contract.}J let their health policy lapse. To reinstate the contract, the insurer is requiring J to reapply. J pays a new premium with the hope that she will get her policy back into force. The insurer has ______ days from receipt to deny reinstatement. A: 7 B: 10 C: 31 D: 45 {Ans: D: 45}C has a LTC policy that cannot be terminated and has