VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01 TRAINING VCE PDF & VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE LATEST PRACTICE QUESTIONS & VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01 ACTUAL TEST TORRENT

Virginia Life, Annuities, and Health Insurance Examination Series 11-01 training vce pdf & Virginia-Life-Annuities-and-Health-Insurance latest practice questions & Virginia Life, Annuities, and Health Insurance Examination Series 11-01 actual test torrent

Virginia Life, Annuities, and Health Insurance Examination Series 11-01 training vce pdf & Virginia-Life-Annuities-and-Health-Insurance latest practice questions & Virginia Life, Annuities, and Health Insurance Examination Series 11-01 actual test torrent

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q76-Q81):

NEW QUESTION # 76
The benefit supplement attached to a life insurance policy which insures all members of a family is called a:

  • A. Spouse term rider
  • B. Children's term rider
  • C. Survivorship term rider
  • D. Family term rider

Answer: D

Explanation:
Virginia Code § 38.2-3109 allows life insurance riders to extend coverage. A family term rider (option C) attaches to a primary policy (e.g., the breadwinner's) and provides term insurance for all family members- spouse and children-under one supplement, often with a single premium. Option A (spouse term rider) covers only the spouse, not children. Option B (children's term rider) insures only children, excluding the spouse. Option D (survivorship term rider) isn't a standard term; "survivorship" typically refers to joint life policies paying at the second death, not family coverage. The study guide likely describes the family term rider as a cost-effective way to insure dependents, with examples showing level term benefits for each member, making C the accurate answer.


NEW QUESTION # 77
If a patient with a preferred provider organization (PPO) chooses to use a non-PPO provider, the patient usually can expect:

  • A. 100% reimbursement for the service provided
  • B. A one-year waiting period before re-enrolling in the PPO
  • C. To pay the full cost of care
  • D. To have higher out-of-pocket expenses

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a PPO, using a non-PPO provider (out-of-network) leads to higher out-of-pocket expenses (A) due to lower reimbursement rates and potential excess charges.
* Option B (full cost) is inaccurate; some coverage applies. Option C (100% reimbursement) is false.
Option D (waiting period) is unrelated.
The Virginia study guide reiterates that PPOs cover out-of-network care but at a reduced level, increasing the insured's costs compared to in-network use. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."


NEW QUESTION # 78
A group health insurance contract is between the:

  • A. Employer, employees, and insurance company
  • B. Employer and employees
  • C. Employer and insurance company
  • D. Employee and insurance company

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* A group health insurance contract is a legal agreement between the employer (policyholder) and the insurance company (C), with employees as covered participants, not direct parties to the contract.
* Option A (employer and employees) is the employment relationship, not the insurance contract. Option B (employee and insurer) applies to individual policies. Option D (all three) overcomplicates the contractual relationship.
The Virginia study guide states that group insurance contracts are issued to the employer or group sponsor, who contracts with the insurer, while employees receive certificates of coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Insurance."


NEW QUESTION # 79
Which benefit is usually excluded from major medical plan coverage?

  • A. Custodial care
  • B. Surgical expense
  • C. Physicians' visits
  • D. Hospital expense

Answer: A

Explanation:
Virginia Code § 38.2-3500 et seq. governs major medical plans, which cover catastrophic costs like hospital expenses (option A), physicians' visits (option C), and surgical expenses (option D). Option B (custodial care)
-non-medical assistance with daily living (e.g., bathing)-is typically excluded, as it's not "medically necessary" under standard definitions (Virginia Code § 38.2-3407.10). The study guide likely lists inclusions (A, C, D) with examples-e.g., $5,000 for surgery-versus exclusions like custodial care, covered by LTC policies instead, making B the usual exception.


NEW QUESTION # 80
An individual health insurance policy must include:

  • A. A 60-day grace period
  • B. Only the optional uniform provisions
  • C. Coverage for pre-existing conditions
  • D. A 10-day free look provision

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Individual health insurance policies in Virginia must include a 10-day free look provision (B), allowing the policyholder to review and return the policy for a full refund.
* Option A (pre-existing conditions) is not mandatory unless required by the ACA, and exclusions may apply.
* Option C (only optional provisions) is incorrect; mandatory provisions are required, not just optional ones.
* Option D (60-day grace period) is excessive; the standard is typically 30 or 31 days for health insurance.
The Virginia study guide mandates a 10-day free look period for individual health insurance policies, ensuring consumer protection, as per state law and NAIC standards. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Policy Provisions."


NEW QUESTION # 81
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