Free MT Health Practice Questions

Sample Practice Questions

Try these 10 sample questions from the MT Health practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

1. 1Under Montana's nondiscrimination rule, may an employer make a reasonable distinction in employee contribution rates between employees with and without dependents?

   1. A. No, never
   2. B. Yes
   3. C. Only with a court order
   4. D. Only for Medicare supplements

   Answer: B

   Explanation: The controlling text states "provide greater or additional contributions to a bona fide group insurance plan for employees with dependents". MCA 49-2-309 preserves reasonable distinctions in employee contribution rates between employees with dependents and those without dependents.

   Reference: 49-2-309. Discrimination in insurance and retirement plans, MCA — MCA 49-2-309(3)

2. 2Under a required Montana individual disability policy provision, who may approve a change to the policy after issue?

   1. A. Any appointed producer orally
   2. B. An executive officer of the insurer, with the approval endorsed on or attached to the policy
   3. C. Any treating physician
   4. D. The beneficiary without notice

   Answer: B

   Explanation: The controlling text states "No change in this policy shall be valid until approved by an executive officer of the insurer". MCA 33-22-204's entire-contract provision states that no change is valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy, and no producer has authority to change or waive provisions.

   Reference: 33-22-204. Entire contract -- changes, MCA — MCA 33-22-204(1)(a)

3. 3Under Original Medicare, which part generally helps cover an inpatient hospital stay?

   1. A. Part A
   2. B. Part B
   3. C. Part C
   4. D. Part D

   Answer: A

   Explanation: "Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care." Part A is the inpatient hospital component of Original Medicare. Part B chiefly handles outpatient and physician care, Part C is the private-plan alternative, and Part D covers drugs.

   Reference: Medicare.gov, Parts of Medicare — Parts of Medicare, Part A (Hospital Insurance)

4. 4An insured returns to part-time work after a covered disability but earns less because some job duties remain impossible. Which benefit addresses the continuing income gap?

   1. A. Total disability benefit
   2. B. Residual disability benefit
   3. C. Waiver of premium benefit
   4. D. Business overhead benefit

   Answer: B

   Explanation: "This coverage fills in a gap in income if you are partially disabled and your income is reduced because you cannot perform all the responsibilities of your job." Residual benefits address earnings reduced by partial disability. Total disability, premium waiver, and business overhead address different losses or obligations.

   Reference: NAIC, A Worker's Most Valuable Asset — Comparing Disability Policies, Residual Benefit(s)

5. 5Before a consumer reporting agency issues a report containing an applicant's medical information for insurance underwriting, whose permission must the insurer obtain?

   1. A. The treating physician's permission
   2. B. The appointing producer's permission
   3. C. The applicant's permission
   4. D. The employer's permission

   Answer: C

   Explanation: "If you need a consumer report that has medical information, you must get the applicant’s permission before the CRA can issue the report." The FCRA guidance requires applicant permission before a CRA may issue a medical-information report. Permission from another party does not replace it.

   Reference: Federal Trade Commission, Consumer Reports: What Insurers Need to Know — Getting and Using Medical Information

6. 6Who has control and supervision of the Montana insurance department?

   1. A. The commissioner of insurance
   2. B. The state treasurer
   3. C. The attorney general
   4. D. The department of administration

   Answer: A

   Explanation: The controlling text states "under the control and supervision of the commissioner". MCA 33-1-301 places the insurance department under the control and supervision of the commissioner, so the commissioner is the controlling official.

   Reference: 33-1-301. Insurance department -- control -- appropriations, MCA — MCA 33-1-301(1)

7. 7When must a Montana disability policy begin accident and sickness coverage for an insured's newborn infant?

   1. A. After a 14-day waiting period
   2. B. From the moment of birth
   3. C. When the birth certificate is issued
   4. D. At the next premium due date

   Answer: B

   Explanation: The controlling text states "from and after the moment of birth". MCA 33-22-301 requires immediate accident and sickness coverage from and after the moment of birth, without a newborn waiting or elimination period.

   Reference: 33-22-301. Coverage of newborn under disability policy, MCA — MCA 33-22-301(1)-(2)

8. 8A self-employed worker wants periodic benefits to replace part of personal earnings if illness prevents work. Which coverage addresses that need?

   1. A. Individual disability income insurance
   2. B. Business overhead expense insurance
   3. C. Key employee disability insurance
   4. D. Major medical expense insurance

   Answer: A

   Explanation: "Disability income insurance provides periodic payments when the insured is unable to work because of illness, disease or injury." This replaces part of the worker's personal earnings. The business products protect business costs or key-worker loss, while major medical addresses care expenses.

   Reference: NAIC, A Regulator's Introduction to the Insurance Industry — p. 51, Disability Income

9. 9After a Montana individual disability policy has been in force for 2 years, when may a fraudulent misstatement still be used to void the policy or deny a claim?

   1. A. Never
   2. B. Only when the policy's time-limit provision preserves fraud as an exception
   3. C. Only during the grace period
   4. D. Only if the producer was unappointed

   Answer: B

   Explanation: The controlling text states "no misstatements, except fraudulent misstatements". MCA 33-22-205's required time-limit-on-defenses language makes fraud an exception to the 2-year limit.

   Reference: 33-22-205. Time limit on certain defenses, MCA — MCA 33-22-205(1)(a)

10. 10A Medicare beneficiary elects an approved private plan that provides Part A and Part B benefits, usually with Part D. Which coverage path is this?

    1. A. Original Medicare only
    2. B. Medicare Advantage (Part C)
    3. C. Medigap only
    4. D. Medicaid only

    Answer: B

    Explanation: "These “bundled” plans include Part A, Part B, and usually Part D." Medicare Advantage delivers A and B through an approved private plan and usually includes D. The other options do not describe that bundled private-plan path.

    Reference: Medicare.gov, Parts of Medicare — Parts of Medicare, Medicare Advantage (Part C)