もう既にInsurance LicensingのInsNV_Health02認定試験を申し込みましたか。「もうすぐ試験の時間なのに、まだ試験に合格する自信を持っていないですが、どうしたらいいでしょうか。何か試験に合格するショートカットがあるのですか。試験参考書を読み終わる時間も足りないですから・・・」いまこのような気持ちがありますか。そうしても焦らないでくださいよ。試験を目前に控えても、ちゃんと試験に準備するチャンスもあります。何のチャンスですかと聞きたいでしょう。それはJpshikenのInsNV_Health02問題集です。これは効果的な資料で、あなたを短時間で試験に十分に準備させることができます。この問題集の的中率がとても高いですから、問題集に出るすべての問題と回答を覚える限り、InsNV_Health02認定試験に合格することができます。
| Section | Objectives |
|---|---|
| Health Insurance Policy Provisions | - Mandatory and Optional Provisions
|
| General Insurance Regulation | - Licensing Requirements and Responsibilities
|
| Accident and Health Insurance Fundamentals | - Disability Income Insurance
|
| Producer Duties and Ethics | - Ethical Responsibilities
|
| Government Health Insurance Programs | - Medicaid and Other Programs
|
| Insurance Basics | - Insurance Contracts
|
InsNV_Health02ソフトテストシミュレータは、ほぼすべての電子製品に適用できるため、多くの人に人気があります。 初めてパソコンにダウンロードしてインストールしてから、USBフラッシュディスクにコピーする場合。 オフラインで好きなように、他のコンピューターでInsNV_Health02ソフトテストシミュレーターを使用できます。 また、MobilとIpadをサポートしています。 削除しないと、いつまでも使用して練習できます。 Insurance Licensing InsNV_Health02ソフトテストシミュレーターは、時間指定試験を設定し、実際のテストで実際のシーンをシミュレートできるため、実際のテストのように何度も練習できます。
質問 # 98
A Nevada producer wants to solicit an individual disability-income policy. Which license authority is required?
正解：D
解説：
A producer soliciting an individual disability-income policy must hold Nevada accident and health insurance authority. Nevada defines this line as insurance for sickness, bodily injury, or accidental death and permits it to include disability-income benefits. Disability-income insurance replaces a portion of earned income when an insured becomes disabled under the policy definition; it is therefore within the accident-and-health line rather than the property, casualty, or personal-lines authorities.
Nevada requires a person to be licensed for the relevant class of insurance before selling, soliciting, or negotiating insurance in the state. The licensing distinction matters because a life authority and an accident- and-health authority are separately identified lines of authority. Although life insurance may include additional disability-income benefits when permitted as part of its statutory definition, a producer selling an individual health or disability-income policy should not assume that life authority alone authorizes the transaction.
The producer must also comply with appointment requirements when acting as an insurer's agent, continuing education and renewal requirements, and all applicable trade-practice rules. Selling without the proper authority can result in administrative discipline and a monetary penalty. On examination questions, identify the coverage being sold first; then match it to the appropriate Nevada line of authority.
References/topics from the Study Guide: Producer Licensing; Lines of Authority; Accident and Health Insurance; Disability Income; NRS 683A.201; NRS 683A.261.
質問 # 99
In a typical HMO arrangement, what is the primary role of the primary care provider?
正解：D
解説：
In a typical health maintenance organization, the primary care provider acts as the central coordinator of the insured's routine medical care. The primary care provider may deliver preventive and basic medical services, maintain the patient's care plan, and refer the patient to specialists or other facilities when required by the HMO's rules. This gatekeeper function is intended to coordinate care, reduce unnecessary duplication, and manage costs through the plan's provider network.
The precise referral rules depend on the particular HMO. Some plans may allow direct access to certain specialists, such as obstetricians or behavioral-health providers, while others require prior referral or authorization. Emergency services are subject to separate protections and should not be described as ordinary out-of-network elective care. The producer must explain the network, referral, prior-authorization, and out-of- network rules before enrollment.
A PPO also has a preferred provider network but commonly allows members to use nonnetwork providers at a reduced benefit level and without the same referral structure. An indemnity plan may provide broader provider choice but may have different reimbursement limits and cost sharing. The test distinction is that an HMO commonly emphasizes coordinated, network-based care through a primary care provider.
References/topics from the Study Guide: Managed Care; HMO; Primary Care Provider; Gatekeeper Model; Provider Networks.
質問 # 100
Which of the following statements is CORRECT about the Medicaid program?
正解：C
解説：
Medicaid is a means-tested public medical assistance program for eligible low-income individuals and families. Eligibility may include persons who are blind, disabled, aged, pregnant, children, or otherwise within an eligible category under federal and state rules. Therefore, choice A is correct. There is no universal minimum age of 55 for Medicaid eligibility; eligibility is based principally on financial and categorical requirements. Medicaid is also not simply a program supplemented by Medicare at age 62. Medicare eligibility is generally associated with age 65 or qualifying disability or disease status, while Medicaid may assist certain eligible persons with limited income and resources, including some Medicare beneficiaries.
Medicaid is jointly financed by federal and state governments but is administered by the states within federal standards. In Nevada, the state administers the program through its designated health and human-services structure. Examination questions commonly test the distinction between Medicare as social insurance and Medicaid as needs-based medical assistance. Study Guide References/Topics: Social Insurance Programs; Medicaid; Federal-State Health Programs.
質問 # 101
Which of the following is permitted by a licensee?
正解：C
解説：
A licensee may give a client a nominal gift, such as an ordinary Christmas gift, so long as the gift complies with Nevada's statutory limits and is not used as an unlawful inducement. Nevada permits producers and insurers to provide certain gifts, goods, gift certificates, meals, event tickets, and similar items to a policyholder or prospective policyholder up to an aggregate value of $100 in a calendar year.
Rebating is prohibited. A producer may not reduce the premium by giving back all or part of a commission, nor may the producer return a commission to induce the client to buy, retain, or renew insurance. The prohibition protects consumers and preserves fair competition by requiring premiums and policy benefits to be applied consistently.
Altering an application to obtain a lower premium is also prohibited. Application answers must accurately reflect the applicant's information. Knowingly changing material information can constitute misrepresentation, fraud, and grounds for producer discipline.
The exam distinction is straightforward: a modest, permitted gift is lawful; a rebate, commission return, or falsification of application information is not.
Study Guide references/topics: rebating; inducements; producer ethics; application accuracy; NRS 686A.110 .
質問 # 102
Under an individual health policy issued in Nevada, a newborn is automatically covered for a MAXIMUM of how many days after birth?
正解：C
解説：
A newborn is automatically covered under the applicable Nevada health-policy rule for 31 days after birth.
Coverage begins from the moment of birth and includes necessary care and treatment for injury or sickness, including medically diagnosed congenital defects and birth abnormalities.
To continue coverage beyond the initial 31-day period, the policy may require timely notice of the birth and payment of any additional premium or fee required by the insurer. The notification and payment requirement must be satisfied within the 31-day period if the policy requires it. This rule protects newborns during the immediate post-birth period, when medical care may be urgently necessary.
The automatic coverage is not limited to routine newborn care. It includes necessary treatment of medical conditions identified at birth, subject to the policy's applicable limits. The law also prevents the policy from excluding premature births under the mandated newborn coverage.
Two, five, and ten days are incorrect because they would not provide the statutory protection required for newborn coverage. The exam point is that the initial automatic period is 31 days, while continuation beyond that period may require prompt enrollment action by the insured.
Study Guide references/topics: individual health insurance; newborn coverage; congenital defects; notification requirements; Nevada newborn-coverage requirements .
質問 # 103
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