InsNV_Health02 試験問題を無料オンラインアクセス

Which feature most clearly distinguishes a health maintenance organization (HMO) from a traditional indemnity health insurance plan?

• A.The HMO provides only disability-income benefits.
• B.The HMO pays only after the insured satisfies a cash-value requirement.
• C.The HMO commonly uses a provider network and coordinates care through managed-care rules.
• D.The HMO always reimburses any provider at the same level.

Which Medicare part generally helps cover inpatient hospital care, skilled nursing facility care following a qualifying hospital stay, hospice care, and certain home health services?

• A.Medicare Part A
• B.Medicare Part C
• C.Medicare Part D
• D.Medicare Part B

A producer offers a prospective life insurance applicant a gift card that is not stated in the policy as an inducement to purchase coverage. Which prohibited practice is most directly implicated?

• A.Rebating
• B.Subrogation
• C.Assignment
• D.Coinsurance

Which of the following persons is NOT required to be licensed by the Nevada Insurance Commissioner?

• A.A salaried insurance company employee who performs clerical and administrative work
• B.An adjuster's employee who assists in the investigation and settlement of insurance claims
• C.A salaried insurance agency clerk who also receives commissions on applications the clerk processes
• D.A person who procures insurance for an insured

An insured purchases a rider that pays an additional amount only if death results from a covered accident.
This rider is best described as:

• A.A return-of-premium rider
• B.A guaranteed-insurability rider
• C.An accidental death benefit rider
• D.A cost-of-living rider