FREE AHIP North Carolina Questions and Answers
In order to be covered by a group health insurance policy issued in North Carolina, which of the following is not required?
Women aged 35 to 39 must have one baseline mammogram covered by health insurance programs. After that, insurers are required to pay for mammograms on a schedule based on a woman's age and risk of developing breast cancer.
Due to concerns it has regarding the applicant's credit history, Statewide Insurers is requesting an investigative consumer report. What needs to be done before Statewide can get a report?
When preparing or requesting an investigative consumer report about a person in connection with an insurance application, insurers and agents must make sure the person is aware that they can ask to be interviewed for the report and are entitled to a copy.
Which form of rider in a health insurance policy allows an insurance company to deny coverage for a particular medical condition?
An impairment rider is a tool that an insurer can use to restrict or exclude coverage for a potential condition that an insured may have.
Every time Maverick visits a doctor, he must pay $15 under his primary medical insurance. What is the name of this payment?
A co-payment is a set amount that plan participants must pay while using particular medical services that are covered by the policy.
Which of the following applies to contributions that are tax deductible, grow tax-free, and provide tax-free payouts for eligible medical expenses?
HSAs (health savings accounts) are tax-free accounts with expensive, high-deductible insurance plans. Tax deductions can be claimed for contributions made to these accounts, and the money grows tax-free. Distributions for legitimate medical costs are tax-free.
All of the following are prerequisites for obtaining an insurance agent's license, WITH THE EXCEPTION of:
An applicant must be at least 18 years old, finish a prelicensing education program, pay the licensing fees, and pass the necessary state exams in order to be eligible for a license. Additionally, a candidate must not have a criminal record that includes any felonies or crimes involving fraud or deceit.
The following benefits are ALL provided to insured workers by workers' compensation policies, EXCEPT
Upon disability, a small business owner's overhead expenses are covered by a business overhead expenditure coverage. These expenses are not covered by workers' compensation.