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Download Kentucky Health Insurance Exam |Actual Questions with Verified Answers| 100% Correct |Late and more Exams Insurance law in PDF only on Docsity!
Kentuckyi,-Healthi,-Insurancei,-Exami,-|Actuali,-
Questionsi,-withi,-Verifiedi,-Answers|i,-100%i,-
Correcti,-|Latesti,-2025/2026i,-Update.
Thei,-fulli,-premiumi,-wasi,-submittedi,-withi,-thei,-applicationi,-fori,-lifei,-
insurance,i,-andi,-thei,-policyi,-wasi,-issuedi,-twoi,-weeksi,-lateri,-asi,-
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B.i,-Asi,-ofi,-thei,-policyi,-deliveryi,-date
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B.i,-Thei,-longeri,-thei,-waitingi,-period,i,-thei,-loweri,-thei,-premium.
C.i,-Coveragei,-appliesi,-bothi,-oni,-andi,-offi,-thei,-job.
D.i,-Benefitsi,-arei,-usuallyi,-shorti,-term.i,-i,- i,-C.i,-Coveragei,-appliesi,-bothi,-
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Underi,-thei,-agei,-discriminationi,-ini,-employmenti,-act,i,-ifi,-thei,-obligationi,-
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arei,-noti,-taxi,-deductible.
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policiesi,-issuedi,-ini,-thisi,-state.i,-Underwritingi,-fori,-HIVi,-ori,-AIDsi,-isi,-
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Howi,-manyi,-pintsi,-ofi,-bloodi,-willi,-bei,-paidi,-fori,-byi,-Medicarei,-
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andi,-hisi,-spouse's.i,-Hei,-hadi,-sufferedi,-ai,-lossi,-ofi,-$2,000.i,-Afteri,-thei,-
insuredi,-paidi,-thei,-totali,-ofi,-$500i,-ini,-deductiblesi,-andi,-coinsurance,i,-thei,-
primaryi,-insureri,-coveredi,-$1,500i,-ofi,-medicali,-expenses.i,-Whati,-
amount,i,-ifi,-any,i,-wouldi,-bei,-paidi,-byi,-thei,-secondaryi,-insurer?i,-A.i,- 0 i,-B.i,-
500 i,-C.i,- 1000 i,-D.i,- 2000 i,-i,- i,-B.i,- 500
Individualsi,-whoi,-itemizei,-deductionsi,-cani,-claimi,-deductionsi,-fori,-
medicali,-expensesi,-noti,-coveredi,-byi,-healthi,-insurancei,-thati,-exceedi,-
whati,-percenti,-ofi,-theiri,-adjustedi,-grossi,-income?i,-A.i,-5%i,-B.i,-7%i,-C.i,-10%i,-
D.i,-15%i,-i,- i,-C.i,-10%
Whati,-isi,-anotheri,-namei,-fori,-ani,-Administrativei,-Servicesi,-onlyi,-
arrangement?i,-A.i,-Selfi,-fundingi,-B.i,-Thirdi,-partyi,-administratori,-C.i,-Ai,-
modifiedi,-fullyi,-insuredi,-plani,-D.i,-Modifiedi,-endowmenti,-contracti,-i,- i,-
B.i,-Thirdi,-partyi,-administrator
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situationsi,-excepti,-A.i,-Ifi,-thei,-insuredi,-hasi,-beeni,-deniedi,-coveragei,-
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securityi,-isi,-morei,-thani,-thei,-amounti,-payablei,-underi,-thei,-rider.i,-C.i,-
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otheri,-sociali,-insurancei,-programsi,-D.i,-Wheni,-thei,-insuredi,-isi,-eligiblei,-
fori,-Sociali,-Securityi,-benefitsi,-buti,-beforei,-thei,-benefitsi,-begini,-i,- i,-B.i,-
Wheni,-thei,-amounti,-payablei,-underi,-sociali,-securityi,-isi,-morei,-thani,-thei,-
amounti,-payablei,-underi,-thei,-rider.
Thei,-provisioni,-ini,-ai,-healthi,-insurancei,-policyi,-thati,-ensuresi,-thati,-thei,-
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contracti,-isi,-the...i,-A.i,-Entirei,-contracti,-clause.i,-B.i,-Timei,-limiti,-oni,-certaini,-
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Whichi,-clausei,-statesi,-thati,-ai,-representationi,-mayi,-NOTi,-bei,-contestedi,-
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Gracei,-periodi,-D.i,-Incontestabilityi,-i,- i,-D.i,-Incontestability
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policyi,-issuei,-datei,-C.i,-asi,-ofi,-thei,-applicationi,-datei,-D.i,-Asi,-ofi,-thei,-policyi,-
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Underi,-whati,-typei,-ofi,-groupi,-healthi,-plani,-doesi,-thei,-insureri,-issuei,-thei,-
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dailyi,-arrangementi,-i,- i,-B.i,-conventionali,-fullyi,-insured.
Ani,-insuredi,-isi,-involvedi,-ini,-ani,-accidenti,-thati,-rendersi,-himi,-
permanentlyi,-deaf,i,-althoughi,-hei,-doesi,-noti,-sustaini,-anyi,-otheri,-majori,-
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Underi,-ai,-disabilityi,-incomei,-policiesi,-benefitsi,-arei,-usuallyi,-limitedi,-toi,-
approximatelyi,-......ofi,-thei,-totali,-weeklyi,-benefiti,-fori,-timei,-losti,-toi,-
minori,-surgery,i,-consultations,i,-etc.i,-A.i,-10%i,-B.i,-15%i,-C.i,-20%i,-D.i,-25%i,-i,-
i,-A.i,-10%
Alli,-ofi,-thei,-followingi,-arei,-consideredi,-toi,-bei,-basici,-benefitsi,-ofi,-ani,-
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Diagnostici,-laboratoryi,-Servicesi,-D.i,-Prescriptioni,-drugs.i,-i,- i,-D.i,-
prescriptioni,-drugs
Howi,-sooni,-followingi,-thei,-occurrencei,-ofi,-ai,-coveredi,-lossi,-musti,-ani,-
insuredi,-submiti,-writteni,-proofi,-ofi,-suchi,-lossi,-toi,-thei,-insurancei,-
company?i,-A.i,-Asi,-sooni,-asi,-possiblei,-B.i,-withini,- 20 i,-daysi,-c.i,-withini,- 60 i,-
daysi,-d.i,-withini,- 90 i,-daysi,-ori,-asi,-sooni,-asi,-reasonablei,-possiblei,-buti,-noti,-
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possiblei,-buti,-noti,-toi,-exceedi,- 1 i,-year.
Thei,-Federali,-Fairi,-crediti,-reportingi,-acti,-a.i,-regulatedi,-telemarketing.i,-b.i,-
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protectsi,-customeri,-privacyi,-i,- i,-C.i,-regulatesi,-consumeri,-reports
Whichi,-ofi,-thei,-followingi,-isi,-ai,-riski,-classificationi,-usedi,-byi,-underwritersi,-
fori,-lifei,-insurance?i,-A.i,-poori,-b.i,-normali,-c.i,-excellent.i,-d.i,-standardi,-i,- i,-
d.i,-standard
Ifi,-ai,-consumeri,-requestsi,-additionali,-informationi,-concerningi,-ani,-
investigativei,-consumeri,-report,i,-howi,-longi,-doesi,-thei,-insureri,-ori,-
reportingi,-agencyi,-havei,-toi,-comply?i,-a.i,- 5 i,-daysi,-b.i,- 7 i,-daysi,-c.i,- 10 i,-days.i,-
d.i,- 3 i,-daysi,-i,- i,-a.i,- 5 i,-days.
Whichi,-ofi,-thei,-followingi,-isi,-NOTi,-specificallyi,-prohibitedi,-byi,-statei,-lawi,-
asi,-ani,-unfairi,-tradei,-practice?i,-A.i,-Reducingi,-thei,-premiumsi,-paidi,-byi,-
employersi,-fori,-groupi,-insurancei,-basedi,-oni,-lossi,-experience.i,-B.i,-Usingi,-
misleadingi,-representationsi,-toi,-inducei,-uncalledi,-fori,-actioni,-byi,-thei,-
insured.i,-C.i,-Usingi,-incompletei,-comparisonsi,-toi,-inducei,-uncalledi,-fori,-
actioni,-byi,-thei,-insuredi,-D.i,-Failingi,-toi,-disclosei,-thati,-thei,-solicitationsi,-ofi,-
ani,-insurancei,-contracti,-arei,-thei,-resulti,-ofi,-ai,-marketingi,-method.i,-i,- i,-
A.i,-reducingi,-thei,-premiumsi,-byi,-employersi,-fori,-groupi,-insurancei,-
basedi,-oni,-lossi,-experience.
Juliei,-musti,-havei,-orthodontici,-worki,-performedi,-oni,-heri,-incisors.i,-
Whichi,-typei,-ofi,-servicei,-wouldi,-thisi,-bei,-called,i,-underi,-ai,-nonscheduledi,-
plan?i,-A.i,-minori,-servicei,-b.i,-repairi,-servicei,-c.i,-majori,-servicei,-d.i,-basici,-
servicei,-i,- i,-c.i,-majori,-service
Ani,-insuredi,-doesi,-noti,-havei,-toi,-payi,-coinsurancei,-ori,-deductiblesi,-oni,-ai,-
fulli,-seriesi,-ofi,-mouthi,-xrayi,-buti,-doesi,-havei,-toi,-payi,-ai,-deductiblei,-toi,-geti,-
hisi,-cavitiesi,-filled.i,-Whichi,-dentali,-plani,-doesi,-hei,-have?i,-A.i,-
nonscheduledi,-b.i,-limitedi,-c.i,-procedurei,-based.i,-d.i,-scheduled.i,-i,- i,-a.i,-
nonscheduled.
Priori,-toi,-issuancei,-ofi,-ai,-ltci,-policyi,-toi,-ani,-applicanti,-agei,- 80 i,-ori,-older,i,-
thei,-insureri,-musti,-obtaini,-alli,-ofi,-thei,-followingi,-EXCEPT...i,-a.i,-datei,-ofi,-
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assessmenti,-ofi,-functionali,-capacity.i,-c.i,-attendingi,-physician'si,-reporti,-
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Underi,-mosti,-dentali,-plans,i,-whati,-limitationsi,-arei,-posedi,-fori,-denturei,-
replacement?i,-A.i,-oncei,-everyi,- 5 i,-years.i,-B.i,-oncei,-everyi,- 10 i,-yearsi,-c.i,-noi,-
limitationsi,-d.i,-onlyi,-thei,-initiali,-denturesi,-arei,-covered.i,-i,- i,-A.i,-oncei,-
everyi,- 5 i,-years.
Whichi,-ofi,-thei,-followingi,-statementsi,-isi,-truei,-regardingi,-LTCi,-
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therapyi,-andi,-isi,-noi,-longeri,-disabled.i,-b.i,-thei,-individual'si,-soni,-getsi,-ai,-
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interesti,-underi,-thei,-contracti,-wouldi,-bei,-called.i,-A.i,-ani,-adjuster.i,-B.i,-ani,-
agent.i,-c.i,-ani,-administratori,-d.i,-ai,-consultanti,-i,- i,-d.i,-ai,-consultant
Whichi,-ofi,-thei,-followingi,-wouldi,-bei,-consideredi,-ani,-illegali,-
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brochurei,-toi,-ai,-prospectivei,-client.i,-c.i,-listingi,-thei,-insurancei,-
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prospectivei,-clientsi,-toi,-thei,-thei,-grandi,-openingi,-ofi,-thei,-producer'si,-
newi,-officei,-i,- i,-a.i,-confirmingi,-futurei,-dividendsi,-ini,-ai,-lifei,-insurancei,-
proposal
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ori,-settlesi,-lifei,-ori,-healthi,-insurancei,-claimsi,-oni,-residentsi,-ofi,-Kentuckyi,-
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debtori,-becomesi,-obligatedi,-toi,-thei,-creditor.
Underi,-thei,-uniformi,-requiredi,-provisions,i,-proofi,-ofi,-lossi,-underi,-ai,-
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Whichi,-ofi,-thei,-followingi,-longi,-termi,-carei,-benefitsi,-wouldi,-providei,-
coveragei,-fori,-carei,-fori,-functionallyi,-impairedi,-adultsi,-oni,-ai,-lessi,-thani,-
24 i,-houri,-basis?i,-a.i,-adulti,-dayi,-carei,-b.i,-residentiali,-carei,-c.i,-assistedi,-
livingi,-d.i,-homei,-healthi,-carei,-i,- i,-a.i,-adulti,-dayi,-care
whichi,-ofi,-thei,-followingi,-statementsi,-abouti,-occupationi,-vsi,-
nonoccupationali,-coveragei,-isi,-true?i,-a.i,-individuali,-disabilityi,-policiesi,-
neveri,-coveri,-nonoccupationali,-injuries.i,-b.i,-onlyi,-groupi,-disabilityi,-
policiesi,-cani,-bei,-writteni,-asi,-occupationi,-basis.i,-c.i,-disabilityi,-insurancei,-
cani,-bei,-writteni,-asi,-occupationali,-ori,-nonoccupational.i,-d.i,-groupi,-
medicali,-expensei,-policiesi,-andi,-individuali,-medicali,-expensei,-policiesi,-
alwaysi,-coveri,-bothi,-occupationali,-andi,-nonoccupationali,-injuriesi,-i,- i,-
c.i,-disabilityi,-insurancei,-cani,-bei,-writteni,-asi,-occupationali,-ori,-
nonoccupational
c.i,-thei,-insurancei,-companyi,-receivesi,-thei,-applicationi,-andi,-initiali,-
premium
d.i,-thei,-underwritersi,-approvei,-thei,-applicationi,-i,- i,-d.i,-thei,-
underwritersi,-approvei,-thei,-application
Ani,-employeei,-isi,-insuredi,-byi,-ai,-groupi,-majori,-medicali,-plani,-thati,-isi,-
providedi,-throughi,-heri,-employer.i,-Thei,-emi,-i,-
