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Terms in this set (36)
what is true of a risk retention group
it is a liability insurance company owned by its members
most policies will pay the accidental death benefits as long as the death is caused by the accident and occurs within
when does medicare cover nursing home care?
Only if it is part of treatment for a covered illness or injury
the benefits received by the business in a disability buy-sell policy are
income tax free
on its advertisement, a company claims that it has funds in its possession that are, in fact, not available for the payment of losses or claims. the company is guilty of
what is another name for a primary care physician in an HMO?
The HMO Act of 1973 required most employers to offer HMO coverage to their employees as an alternative to regular health plans if the company had more than 25 employees. how has this plan since changed?
employers are no longer forced to offer HMO plans
the patient protection and affordable care act includes all of the following provisions except
individual tax deduction for premiums paid
because an agent is using stationary with the logo of an insurance company, applicants for insurance assume that the agent is authorized to transact on behalf of that insurer. what type of agent authority does this describe?
What is not true about group disability income insurance except
coverage applies both on and off the job
what document describes an insured's medical history, including diagnoses and treatments?
attending physician's statement
what type of info is not included in a certificate of insurance?
the cost the company is paying for monthly premiums
as it pertains to group health insurance, COBRA stipulates that
group coverage must be extended for terminated employees up to a certain period of time at the former employee's expense
in health insurance, if a doctor charges $50 more than what the insurance company considers usual, customary and reasonable, the extra cost
is not covered
COBRA applies to employers with at least
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