Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Actual Free Exam Questions & Community Discussion

Exam Code/Number: Accident-and-Health-or-Sickness-Producer
Exam Name/Title: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
Certification Provider: Maryland Insurance Administration
Corresponding Certification: Maryland Insurance

Exam Questions: 92
Updated On: Jun 01, 2026

Question #41

Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?

A. Home health care

B. Respite care

C. Skilled nursing facility care

D. Custodial facility care

Discussion 0

Correct Answer: B Vote an answer

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Question #42

All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

A. Twenty-four hour access to emergency care

B. Discounts on local health spa memberships

C. Outpatient medical services

D. Wellness programs

Discussion 0

Correct Answer: B Vote an answer

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Question #43

In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?

A. No, because of privacy considerations

B. No, because only an officer of the court can inspect these records

C. Yes, because all company and agency records are public domain

D. Yes, because of the powers defined by state laws

Discussion 0

Correct Answer: D Vote an answer

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Question #44

Coverage for the first three pints of blood for Medicare enrollees is:

A. A Medicare Part B benefit

B. A Medicare Part A benefit

C. A Medicare Supplement core benefit

D. A Medicare Supplement additional benefit

Discussion 0

Correct Answer: C Vote an answer

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Question #45

All of the following are basic underwriting actions in accident and health insurance EXCEPT:

A. Deleting uniform policy provisions

B. Issuing standard policies as applied for

C. Issuing policies with exclusion riders

D. Rejecting applicants

Discussion 0

Correct Answer: A Vote an answer

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Question #46

Which benefit is usually excluded from accident and health plan coverage?

A. Surgical expense

B. Hospital expense

C. Custodial care

D. Physicians' visits

Discussion 0

Correct Answer: C Vote an answer

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Question #47

Reasonable and customary charges for health care are based primarily on:

A. Actuarial tables

B. National physician surveys

C. Insurance industry studies

D. Average charges within a geographic area

Discussion 0

Correct Answer: D Vote an answer

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Question #48

Pre-existing conditions include conditions of health that:

A. Are never insurable under any circumstances or degree of severity

B. Have been medically treated or diagnosed prior to the effective date of coverage

C. Must exist before an applicant can be accepted by an insurer

D. Develop after the effective date of the policy but before the expiration of the time limit on certain defenses

Discussion 0

Correct Answer: B Vote an answer

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Question #49

The Maryland State Benchmark Plan applies to which of the following?

A. Medicaid plans sold through the Exchange

B. Medicare supplement plans sold outside the Exchange prior to January 1, 2014

C. Individual Health Benefit Plans sold outside the Exchange prior to January 1, 2014

D. Individual Health Benefit Plans sold through the Exchange

Discussion 0

Correct Answer: D Vote an answer

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Question #50

After completing an application for insurance, the insurance producer collects the premiums but deposits the check in the insurance producer's checking account. What crime has been committed?

A. Fraud

B. Twisting

C. Rebating

D. Replacement

Discussion 0

Correct Answer: A Vote an answer

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