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Free North Dakota Accident and Health or Sickness Insurance Examination Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the North Dakota Accident and Health or Sickness Insurance Examination practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A North Dakota resident applies for an accident and health producer license and has no statutory exemption. What examination condition must the applicant satisfy?

    1. A. Pass a written examination
    2. B. Qualify for temporary producer authority
    3. C. Complete continuing education
    4. D. Obtain an insurer appointment

    Answer: A

    Explanation: The controlling statute says, "A resident individual applying for an insurance producer license or an insurance consultant license must pass a written examination unless exempt under section 26.1-26-25." The applicant therefore must pass the written examination.

    Reference: North Dakota Century Code t26.1c26 — N.D.C.C. § 26.1-26-13.2(1)

  2. 2Who must approve a change to an individual accident and health policy before the change is valid in North Dakota?

    1. A. An executive officer of the insurer
    2. B. An appointed producer of the insurer
    3. C. A medical director of the insurer
    4. D. A claim officer of the insurer

    Answer: A

    Explanation: The required provision says "no change in the policy is valid until approved by an executive officer of the insurer and unless the approval is endorsed on or attached to the policy."

    Reference: North Dakota Century Code t26.1c36 — N.D.C.C. § 26.1-36-04(1)(a)

  3. 3An insurer raises an applicant's health-insurance premium partly because of information in a consumer report. Under the Fair Credit Reporting Act, which notice must the insurer provide?

    1. A. A notice of adverse action tied to the consumer report
    2. B. A notice of appointment termination tied to the producer
    3. C. A notice of policy reinstatement tied to the premium
    4. D. A notice of claim settlement tied to the coverage

    Answer: A

    Explanation: "requires you to provide a notice of the adverse action" applies when an insurance decision rests partly on a consumer report. The other notices address different insurance events.

    Reference: FTC, Consumer Reports: What Insurers Need to Know — FTC, Consumer Reports: What Insurers Need to Know, adverse-action section

  4. 4A household buys a health insurance policy so that an insurer bears specified financial losses from covered illness. Which risk-handling method is illustrated?

    1. A. Retention
    2. B. Avoidance
    3. C. Reduction
    4. D. Transfer

    Answer: D

    Explanation: "Insurance - an economic device transferring risk from an individual to a company" directly describes this arrangement. Retention keeps the financial risk; avoidance and reduction change exposure or its likelihood.

    Reference: NAIC Glossary of Insurance Terms — NAIC Glossary, Insurance

  5. 5An insurer examines a proposed health risk, decides whether to accept it, and assigns a risk class and rate. Which process is the insurer performing?

    1. A. Claims adjustment
    2. B. Policy delivery
    3. C. Underwriting
    4. D. Producer appointment

    Answer: C

    Explanation: "Underwriting - the process by which an insurance company examines risk and determines whether the insurer will accept the risk or not" and then classifies accepted risks and rates them. The other processes occur at different points in insurance operations.

    Reference: NAIC Glossary of Insurance Terms — NAIC Glossary, Underwriting

  6. 6A surgeon can no longer perform surgical duties because of a covered disability but can work in a different gainful job. Which total-disability definition is most likely to permit benefits based on inability to perform the surgeon's former work?

    1. A. Any-gainful-employment definition
    2. B. Own-occupation definition
    3. C. Social Security disability definition
    4. D. Nonoccupational-injury definition

    Answer: B

    Explanation: "Some may pay benefits if you are unable to perform the duties of your occupation" describes an own-occupation policy. An any-gainful-employment definition is stricter when the person can do another job.

    Reference: NAIC, Simplifying the Complications of Disability Insurance — NAIC disability-insurance guidance, disability definitions

  7. 7A client is comparing medical plans and asks how an HMO normally handles services from a provider outside its network. Which description is most accurate?

    1. A. It covers outside-network services under the same terms as network care.
    2. B. It generally excludes outside-network care except in an emergency.
    3. C. It generally covers outside-network care at a higher cost share.
    4. D. It reimburses outside-network care without any provider-network distinction.

    Answer: B

    Explanation: "It generally won't cover out-of-network care except in an emergency" describes the HMO rule. The other descriptions reflect broader out-of-network designs, such as PPO or fee-for-service coverage.

    Reference: HealthCare.gov, Plan Types — HealthCare.gov, plan types, HMO

  8. 8An insurer evaluates an employer group for health coverage. Compared with individual underwriting, which subject is generally the focus of the group underwriting decision?

    1. A. Each member's medical history and laboratory results
    2. B. Each dependent's diagnoses and medication history
    3. C. The group's composition and relevant group experience
    4. D. Each member's separate occupational risk classification

    Answer: C

    Explanation: "underwriting is focused on the characteristics of the" group, while members generally are not individually underwritten. The other options move the decision to separate member or dependent risk assessment.

    Reference: NAIC, Insurance Regulatory Issues — NAIC Insurance Regulatory Issues, group health underwriting

  9. 9A client does not qualify for Medicare through disability or another special under-65 condition. At what age does ordinary Medicare eligibility generally begin?

    1. A. 60
    2. B. 62
    3. C. 65
    4. D. 67

    Answer: C

    Explanation: "Medicare is federal health insurance for anyone age 65 and older" states the ordinary age route. The source separately recognizes some under-65 disability or condition routes, which the question excludes.

    Reference: Medicare.gov, Parts of Medicare — Medicare.gov, Parts of Medicare, eligibility

  10. 10An employer provides accident and health plan coverage to an employee. For federal wage reporting, how is the value of that employer-provided coverage generally treated?

    1. A. Included in wages when the plan is offered
    2. B. Included in wages when a claim is submitted
    3. C. Excluded from the employee's wages
    4. D. Deferred until the employee leaves the job

    Answer: C

    Explanation: "You can generally exclude the value of accident or health benefits you provide to an employee" supports excluding the coverage value from wages. This question concerns the employer-provided benefit value, not the tax treatment of a later cash disability payment.

    Reference: IRS Publication 15-B, Employer's Tax Guide to Fringe Benefits — IRS Publication 15-B, accident and health benefits

Topics in this practice bank

These topics describe the available practice for North Dakota Accident and Health or Sickness Insurance Examination. Review the examination outline and its sources for scope and allocation details.

  • Insurance Regulation (10 items)
    • Licensing
    • Licensing / Process (26.1-26-13.2, 13.3, 15; Reg 45-02-02-02)
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producer (26.1-26-02, 11)
    • Licensing / Types of licensees / Producer (26.1-26-02, 11) / Individual
    • Licensing / Types of licensees / Producer-agent of insured (26.1-26-07)
    • Licensing / Types of licensees / Producer-agent of insurer (26.1-26-06)
    • Licensing / Types of licensees / Consultants (26.1-26-35, 41; Reg 45-02-02-09, 10)
    • Licensing / Types of licensees / Nonresident producers (26.1-26-20, 47.1)
    • Licensing / Types of licensees / Temporary (26.1-26-26)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal of appointments (26.1-26-32; Reg 45-02-02-07)
    • Licensing / Maintenance and duration / Termination (26.1-26-31; Reg 45-02-02-12)
    • Licensing / Maintenance and duration / Change of address (26.1-26-33; Reg 45-02-02-13)
    • Licensing / Maintenance and duration / Reporting of actions (26.1-26-45.1)
    • Licensing / Maintenance and duration / Assumed names (26.1-26-25.1)
    • Licensing / Maintenance and duration / Continuing education (26.1-26-31.1; Reg 45-02-04-03, 08–11, 13)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Refusal of license (26.1-26-39, 40, 42)
    • Licensing / Disciplinary actions / Cease and desist order (26.1-01-03.1; 26.1-04-13)
    • Licensing / Disciplinary actions / Suspension, revocation and probation (26.1-26-42–46)
    • Licensing / Disciplinary actions / Penalties for violations (26.1-01-03.3; 26.1-04-13–17; 26.1-26-50, 51)
    • State Regulation
    • State Regulation / Commissioner's general duties and powers (26.1-01-03; 26.1-04-09)
    • State Regulation / Company regulation
    • State Regulation / Company regulation / Unfair claims settlement practices (26.1-04-03(9))
    • State Regulation / Producer regulation
    • State Regulation / Producer regulation / Sharing commissions (26.1-26-04)
    • State Regulation / Company and agency regulation
    • State Regulation / Company and agency regulation / Examination of books and records (26.1-03-19.2; 26.1-26-48)
    • State Regulation / Company and agency regulation / Producer appointment (26.1-26-13.1; Reg 45-02-02-06)
    • State Regulation / Company and agency regulation / Termination of appointment (26.1-26-34; Reg 45-02-02-06)
    • State Regulation / Unfair practices
    • State Regulation / Unfair practices / Misrepresentation (26.1-04-03(1), (12), 07)
    • State Regulation / Unfair practices / False advertising (26.1-04-03(1), (2))
    • State Regulation / Unfair practices / Defamation (26.1-04-03(3))
    • State Regulation / Unfair practices / Boycott, coercion and intimidation (26.1-04-03(4), 04)
    • State Regulation / Unfair practices / False financial statements (26.1-04-03(5))
    • State Regulation / Unfair practices / Unfair discrimination (26.1-04-03(7), (11), 05)
    • State Regulation / Unfair practices / Rebating (26.1-04-03(8), 05, 06)
    • State Regulation / Unfair practices / Prohibited inducements (26.1-04-05, 06)
    • State Regulation / Unfair practices / Twisting (26.1-04-03(1))
    • State Regulation / Insurance fraud regulation (26.1-02.1-01–11)
    • State Regulation / Producer Legislation - STLD (26.1-36.8)
  • North Dakota Laws and Regulations Pertaining to Accident and Health Insurance (30 items)
    • Individual Accident and Health insurance policy clauses and provisions
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Entire contract; changes (Ref: 26.1-36-04(1)(a)(b))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Claim Procedures (Ref: 26.1-36-04(1)(g) through (k), 26.1-36-37.1)
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Physical examinations and autopsy (26.1-36.04(l))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Grace period (Ref: 26.1-36-04(e))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Pre-existing conditions (Ref: 26.1-36-04(d))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Incontestability (Ref: 26.1-36-04(1)(c))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Reinstatement (Ref: 26.1-36-04(f))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Legal Actions (Ref: 26.1-36-04(m))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Return of premium paid beyond month of death (26.1-36.04 (n))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Right to return policy (free look) (26.1-36-02.1)
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Change of occupation (26.1-36-04 (a))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Misstatement of age (Ref: 26.1-36-04(b))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Overinsurance (26.1-36-04(c))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Unpaid premium (Ref: 26.1-36-04(d))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Cancellation (26.1-36-04 (e))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Conformity with state statutes (Ref: 26.1-36-04(f))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Intoxicants and narcotics (Ref: 26.1-36-09.13)
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Illegal occupation (Ref: 26.1-36-04(g))
    • Group Accident and Health insurance policy clauses and provisions
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Certificates of coverage (Ref: 26.1-36-05(7))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Grace period (Ref: 26.1-36-05(1))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Incontestability (Ref: 26.1-36-05(2))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Attachment of application (Ref: 26.1-36-05(3))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Exclusions or limitations (26.1-36-05(5))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Misstatement of age (Ref: 26.1-36-05(6))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Claim Procedures (Ref: 26.1-36-05(8) through (12))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Physical examination and autopsy (26.1-36-05(13))
    • Group Accident and Health insurance policy clauses and provisions / Legal Action (Ref: 26.1-36-05(14))
    • Group Accident and Health insurance policy clauses and provisions / Other provisions
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Coordination of benefits (Ref: 26.1-36-10, Reg. 45-08-01.2)
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Continuation of coverage (Ref: 26.1-36-23)
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Coverage of former spouse and children (26.1-36-23.1)
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Dual choice option (26.1-36-26)
    • North Dakota requirements (individual and group)
    • North Dakota requirements (individual and group) / Eligibility requirements
    • North Dakota requirements (individual and group) / Eligibility requirements / Newborn/adopted children (26.1-36-07)
    • North Dakota requirements (individual and group) / Eligibility requirements / Child coverage; non-custodial parents (26.1-36.5-03, 36.1-36-22)
    • North Dakota requirements (individual and group) / Eligibility requirements / Dependent coverage (26.1-36-22)
    • North Dakota requirements (individual and group) / Eligibility requirements / Portability (26.1-36.4-04; Reg 45-06-11-01–05)
    • North Dakota requirements (individual and group) / Group mandated benefit options
    • North Dakota requirements (individual and group) / Group mandated benefit options / Prescription drugs (26.1-36-06(1))
    • North Dakota requirements (individual and group) / Group mandated benefit options / Chiropractic care (26.1-36-06)
    • North Dakota requirements (individual and group) / Marketing requirements
    • North Dakota requirements (individual and group) / Marketing requirements / Advertising (Reg 45-06-04-01)
    • North Dakota requirements (individual and group) / Marketing requirements / Life and Health Guaranty Association (26.1-38.1-16(1))
    • North Dakota requirements (individual and group) / Marketing requirements / Sales presentations (Reg 45-06-04)
    • North Dakota requirements (individual and group) / Underwriting requirements
    • North Dakota requirements (individual and group) / Underwriting requirements / Informed consent (testing of body fluids) (Reg 45-03-11-01)
    • North Dakota requirements (individual and group) / Underwriting requirements / Unfair discrimination (Reg 45-03-10-04)
    • North Dakota requirements (individual and group) / HIPAA (Health Insurance Portability and Accountability Act) requirements
    • Medicare Supplements
    • Medicare Supplements / Standards for marketing (Ref: Reg. 45-06-01.1-17)
    • Medicare Supplements / Open enrollment (Ref: Reg. 45-06-01.1-09)
    • Medicare Supplements / Advertising (Ref: 26.1-36.1-07; Reg. 45-06-01.1-16)
    • Medicare Supplements / Appropriateness of recommended purchase (Ref: Reg. 45-06-01.1-18)
    • Medicare Supplements / Outline of coverage (Ref: 26.1-36.1-05; Reg. 45-06-01.1-14(4))
    • Medicare Supplements / Right to return (free look) (Ref: 26.1-36.1-06)
    • Medicare Supplements / Replacement (Ref: Reg. 45-06-01.1-20)
    • Medicare Supplements / Minimum benefit standards (Ref: Reg. 45-06-01.1-06.1)
    • Medicare Supplements / Pre-existing conditions (Ref: Reg. 45-06-01.1-06.1)
    • Medicare Supplements / Required disclosure provisions (Reg 45-06-01.1-06.1)
    • Medicare Supplements / Permitted compensation arrangements (Ref: Reg. 45-06-01.1-13)
    • Medicare Supplements / Continuation and conversion requirements (Ref: Reg. 45-06-01.1-06.1(e))
    • Medicare Supplements / Notice of change (Ref: Reg. 45-06-01.1-14(2))
    • Medicare Supplements / Excessive or unnecessary coverage (duplication of coverage) (Ref: Reg. 45-02-02-14)
    • Medicare Supplements / Medicare SELECT (Reg 45-06-01.1-08)
    • Long-term Care Insurance
    • Long-term Care Insurance / Standards for Marketing (Ref: Reg. 45-06-05.1-21)
    • Long-term Care Insurance / Advertising (Reg 45-06-04)
    • Long-term Care Insurance / Shopper's guide (Ref: Reg. 45-06-05.1-28)
    • Long-term Care Insurance / Outline of coverage (Ref: 26.1-45-09; Reg. 45-06-05.1-27)
    • Long-term Care Insurance / Right to return (free look) (Ref: 26.1-45-09(1))
    • Long-term Care Insurance / Replacement (Ref: Reg 45-06-05.1-23)
    • Long-term Care Insurance / Renewal provisions (Ref: 26.1-45-05.2)
    • Long-term Care Insurance / Contingent non-forfeiture (Ref: 26.1-45-14; Reg. 45-06-05.1-24)
    • Long-term Care Insurance / Cancellation (Ref: 26.1-45-05)
    • Long-term Care Insurance / Required disclosure provisions (Ref: Reg 45-06-05.1-06; Reg 45-06-05.1-07)
    • Long-term Care Insurance / Inflation protection (Ref: Reg. 45-06-05.1-11)
    • Long-term Care Insurance / Pre-existing conditions (Ref: 26.1-45-05-06)
    • Long-term Care Insurance / Protection against unintentional lapse (Ref: Reg. 45-06-05.1-05)
    • Long-term Care Insurance / Suitability (Ref: Reg. 45-06-05.1-22)
    • Long-term Care Insurance / Minimum home health care benefits (Ref: 26.1-45-13; Reg 45-06-05.1-10)
    • Long-term Care Insurance / Qualified long-term care contracts (Ref: 26.1-45-01(6); Reg. 45-06-05.1-26)
    • Long-term Care Insurance / Standards for benefit triggers (Reg 45-06-05.1-25)
    • Long-term Care Insurance / Premium rate schedule increases (Reg 45-06-05.1-07; 45-06-05.1-01 Appendix F)
  • Federal Laws and Regulations (3 items)
    • Fair Credit Reporting Act - Purpose
    • Privacy [Gramm Leach Bliley]
    • Affordable Care Act (ACA)
    • National Do Not Call List
    • CAN-SPAM Act
  • General Insurance Concepts (7 items)
    • Risk
    • Risk / Methods of Handling Risk (Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (Risk, Hazard, Peril, Loss)
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers / Express
    • Authority and Powers of Producers / Implied
    • Authority and Powers of Producers / Apparent
    • Authority and Powers of Producers / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Accident and Health Insurance Basics (13 items)
    • Field Underwriting
    • Field Underwriting / Application Procedures
    • Field Underwriting / Disclosures and Privacy
    • Underwriting Requirements (Varies by Insurer)
    • Sources of Underwriting
    • Sources of Underwriting / Application
    • Sources of Underwriting / Producer's report
    • Sources of Underwriting / Medical information bureau (MIB)
    • Sources of Underwriting / Inspection report
    • Sources of Underwriting / Medical examination
    • Sources of Underwriting / Attending physician's report
    • Policy Delivery
    • Policy Delivery / Effective Date of Coverage
    • Policy Delivery / Policy Review
    • Policy Delivery / Premium Collection Methods (e.g., Electronic, Physical, EFT, ACH)
    • Policy Delivery / Statement of Good Health
    • Definitions of Perils
    • Definitions of Perils / Accidental Injury
    • Definitions of Perils / Sickness
    • Types of Losses and Benefits
    • Types of Losses and Benefits / Loss of Income from Disability (Short-Term/Long-Term Disability)
    • Types of Losses and Benefits / Medical Expense
    • Types of Losses and Benefits / Long-Term Care Expense
    • Classification of Risks
    • Classification of Risks / Preferred
    • Classification of Risks / Standard
    • Classification of Risks / Substandard
  • Individual Accident and Health Insurance Policy Provisions (12 Items)
    • Uniform Required Provisions
    • Uniform Required Provisions / Time Limit on Certain Defenses
    • Uniform Required Provisions / Grace Period
    • Uniform Required Provisions / Reinstatement
    • Uniform Required Provisions / Claim Forms
    • Uniform Required Provisions / Proof of Loss
    • Uniform Required Provisions / Time of Payment of Claims
    • Uniform Required Provisions / Physical Examinations and Autopsy
    • Uniform Required Provisions / Legal Actions
    • Uniform Required Provisions / Entire Contract
    • Uniform Required Provisions / Payment of Claims
    • Uniform Required Provisions / Change of Beneficiary
    • Uniform Required Provisions / Notice of Claim
    • Uniform Optional Provisions
    • Uniform Optional Provisions / Change of Occupation
    • Uniform Optional Provisions / Misstatement of Age/Sex
    • Uniform Optional Provisions / Illegal Occupation
    • Uniform Optional Provisions / Intoxicants, Narcotics, or Other Controlled Substances
    • Other General Provisions
    • Other General Provisions / Right to Examine/Free Look
    • Other General Provisions / Insuring Clause
    • Other General Provisions / Consideration Clause
    • Other General Provisions / Coinsurance
    • Other General Provisions / Probationary Period
    • Other General Provisions / Elimination Period
    • Other General Provisions / Exclusions
  • Disability Income and Related Insurance (7 items)
    • Benefits Determination for Disability
    • Benefits Determination for Disability / Indemnity
    • Benefits Determination for Disability / Loss of Income
    • Qualifications of Disability
    • Qualifications of Disability / Total (Own Occupation, Any Occupation)
    • Qualifications of Disability / Partial
    • Qualifications of Disability / Permanent
    • Qualifications of Disability / Presumptive
    • Qualifications of Disability / Recurrent
    • Qualifications of Disability / Residual
    • Qualifications of Disability / Inability to Perform Duties
    • Qualifications of Disability / Occupational versus Non-Occupational
    • Individual Disability Income Insurance
    • Individual Disability Income Insurance / Basic Total Disability Plan
    • Individual Disability Income Insurance / Cost of Living Rider
    • Individual Disability Income Insurance / Future Increase Option Rider
    • Individual Disability Income Insurance / Change of Occupation
    • Individual Disability Income Insurance / Other Cash Benefits - (Accidental Death and Dismemberment (AD&D), Rehabilitation Benefit, Medical Reimbursement Benefit)
    • Individual Disability Income Insurance / Refund Provisions
    • Individual Disability Income Insurance / Exclusions
    • Individual Disability Income Insurance / Waiver of Premium
    • Individual Disability Income Insurance / Probationary Period
    • Individual Disability Income Insurance / Elimination Period
    • Individual Disability Income Insurance / Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting
    • Unique Aspects of Individual Disability Income Underwriting / Occupational Considerations
    • Unique Aspects of Individual Disability Income Underwriting / Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting / Policy Issuance Alternatives
    • Group Disability Income Insurance
    • Group Disability Income Insurance / Short-Term Disability
    • Group Disability Income Insurance / Long-Term Disability
    • Group Disability Income Insurance / Coordination of Benefits (Workers' Compensation Benefits and Social Insurance)
    • Group Disability Income Insurance / At-work benefits
    • Business Disability Income Insurance
    • Business Disability Income Insurance / Key Employee Disability Income
    • Business Disability Income Insurance / Disability Buy-Sell Policy
    • Social Security Disability Income
    • Social Security Disability Income / Qualification for Disability Benefits
    • Social Security Disability Income / Definition of Disability
    • Social Security Disability Income / Waiting Period
  • Medical Plans (15 items)
    • Medical Plan Concepts
    • Medical Plan Concepts / Fee-for-Service
    • Medical Plan Concepts / Prepaid
    • Medical Plan Concepts / Specified disease/Dread disease insurance
    • Medical Plan Concepts / Comprehensive Coverage
    • Medical Plan Concepts / Dependent Coverage
    • Provisions and Clauses
    • Provisions and Clauses / Deductibles
    • Provisions and Clauses / Stop-Loss Provision
    • Types of Medical Plans
    • Types of Medical Plans / Major Medical Insurance
    • Types of Medical Plans / Health Maintenance Organizations (HMOs)
    • Types of Medical Plans / Preferred Provider Organizations (PPOs)
    • Types of Medical Plans / Point-of-Service (POS) Plans
    • Cost Containment in Health Care Delivery
    • Cost Containment in Health Care Delivery / Managed Care
    • Cost Containment in Health Care Delivery / Preventive Care
    • Cost Containment in Health Care Delivery / Outpatient Benefits
    • Cost Containment in Health Care Delivery / Utilization Management
    • Cost Containment in Health Care Delivery / Preauthorization
    • Cost Containment in Health Care Delivery / Primary Care Physician
    • Limited Health Insurance Policies
    • Limited Health Insurance Policies / Accidental Death and Dismemberment
    • Limited Health Insurance Policies / Hospital indemnity
    • Limited Health Insurance Policies / Critical Illness/Dread Disease
    • Limited Health Insurance Policies / Vision Care
    • Limited Health Insurance Policies / Hearing
    • Limited Health Insurance Policies / Dental
    • Health Insurance Portability and Accountability Act (HIPAA)
    • Health Insurance Portability and Accountability Act (HIPAA) / Eligibility Requirements
    • Health Insurance Portability and Accountability Act (HIPAA) / Terms
    • Health Insurance Portability and Accountability Act (HIPAA) / Privacy
    • Health Insurance Portability and Accountability Act (HIPAA) / Portability
    • Affordable Care Act (ACA)
    • Affordable Care Act (ACA) / Eligibility
    • Affordable Care Act (ACA) / Dependent coverage
    • Affordable Care Act (ACA) / Essential health benefits
    • Affordable Care Act (ACA) / Levels of Coverage (Metallic Plans)
  • Group Health Insurance (4 items)
    • Characteristics of Group Health Insurance
    • Characteristics of Group Health Insurance / Group Contract
    • Characteristics of Group Health Insurance / Certificate of Coverage
    • Characteristics of Group Health Insurance / Eligible Groups
    • Characteristics of Group Health Insurance / Contributory versus Non-Contributory
    • Employer Group Health Insurance
    • Employer Group Health Insurance / Underwriting Criteria
    • Employer Group Health Insurance / Eligibility for Insurance
    • Employer Group Health Insurance / Conversion of Coverage
    • Employer Group Health Insurance / Open Enrollment
    • Employer Group Health Insurance / Probation/Waiting Period
    • Employer Group Health Insurance / Coordination of Benefits
    • COBRA
    • COBRA / Eligibility
    • COBRA / Duration of Coverage
    • COBRA / Premium
  • Specialized Health Insurance for Qualified Individuals (6 Items)
    • Medicare
    • Medicare / Eligibility
    • Medicare / Part A
    • Medicare / Part B
    • Medicare / Part C
    • Medicare / Part D
    • Medicare Supplement Insurance
    • Medicare Supplement Insurance / Enrollment Periods
    • Medicare Supplement Insurance / Standardized Plan Benefits
    • Medicaid
    • Medicaid / Eligibility
    • Long-Term Care Policies
    • Long-Term Care Policies / Eligibility for Benefits (Activities of Daily Living)
    • Long-Term Care Policies / Benefit/Elimination Periods
    • Long-Term Care Policies / Levels of care (Skilled, Intermediate, Custodial)
  • Federal Tax Considerations for Health Insurance (3 items)
    • Health Insurance Premiums and Benefits
    • Health Insurance Premiums and Benefits / Individual
    • Health Insurance Premiums and Benefits / Group
    • Health Insurance Premiums and Benefits / Disability Income (Individual and Group)
    • Health Insurance Premiums and Benefits / Business Disability Insurance
    • Consumer-Driven Health Plans
    • Consumer-Driven Health Plans / Health Savings Accounts (HSAs)
    • Consumer-Driven Health Plans / Health Savings Accounts (HSAs) / High Deductible Health Plans (HDHPs)
    • Consumer-Driven Health Plans / Health Reimbursement Arrangements (HRAs)
    • Consumer-Driven Health Plans / Flexible Spending Accounts (FSAs)

How to use these free practice questions

Choose an answer, check the explanation, and review your progress by chapter. Practice questions and explanations are free to access without signing up.

These are independent study questions, not actual examination items. For examination requirements and official information, view North Dakota Accident and Health or Sickness Insurance Examination details.