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| Section | Weight | Objectives |
|---|---|---|
| Marketing Practices | 8-12% | - Marketing regulations - Advertising guidelines - Prohibited practices - Producer responsibilities |
| Types of Health Insurance Policies | 20-25% | - Medicare and Medicaid - Group health insurance - Individual health insurance - Disability income insurance - Long-term care insurance - Dental and vision insurance |
| Policy Provisions and Clauses | 18-22% | - Exclusions and limitations - Deductibles and copayments - Coverage terms and conditions - Waiting periods - Benefit periods - Preexisting condition clauses |
| Field Underwriting and Application Process | 8-12% | - Risk classification - Application procedures - Agent responsibilities in enrollment - Medical underwriting |
| Social Insurance Programs | 8-12% | - Medicare Part A, B, C, D - Medicaid programs - Social Security disability benefits - CHIP (Children's Health Insurance Program) |
| Maryland Insurance Laws and Regulations | 20-25% | - Privacy and confidentiality requirements - Violations and penalty provisions - Unfair claim settlement practices - Maryland Insurance Code - Producer licensing requirements - Consumer protection regulations |
1. The Maryland Health Insurance Plan is designed to provide comprehensive health benefits for:
A) Medically uninsurable Maryland residents
B) Low-income residents of Maryland
C) Children of low-income Maryland residents
D) Senior citizens residing in Maryland
2. Which expenses are covered by Medicare Part D?
A) Prescription drug
B) Medical
C) Hospital
D) Dental
3. The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:
A) Military service
B) Automobile accidents
C) Injuries occurring in the home
D) Commercial airline crashes
4. Under Maryland law, the agreement between an insurance producer and insurer under which the insurance producer, for compensation, may sell, solicit, or negotiate policies issued by the insurer is defined as:
A) An appointment
B) A license
C) A binding agreement
D) A certificate of authority
5. A disability income insurance policy typically provides coverage for disabilities resulting from:
A) Occupational accidents only
B) Sickness only
C) Both accidents and sickness
D) Accidents only
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: A | Question # 3 Answer: A | Question # 4 Answer: A | Question # 5 Answer: C |
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