최신버전InsNV_Health02덤프공부문제완벽한시험덤프샘플문제다운로드

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Long Term Care - Medicare 1. Medicare supplement regulation 2. Medicare Advantage Plans 3. Prescription Drug Plan - Hospice care - Coverage for reconstructive surgery - Mandatory policy clauses and provisions 1. Coverage for preventive healthcare services 2. Coverage for newborn children 3. Coverage for physical handicap or intellectual disability for dependent children - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse
Topic 2: Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Credit life and health insurance - Advertising - Group life and health insurance 1. Eligible groups 2. Required provisions
Topic 3: Accident & Health – General Knowledge	50%	- Other Insurance Concepts 1. Total, partial, recurrent, and residual disability 2. Dependent children benefits 3. Nonduplication and coordination of benefits 4. Modes of premium payments 5. Owner's rights 6. Cost containment 7. Workers Compensation 8. Subrogation 9. Tax treatment of premiums and proceeds of insurance contracts 10. Primary and contingent beneficiaries 11. Occupational vs. non-occupational 12. Managed care - Field Underwriting Procedures 1. Submitting application and initial premium to company for underwriting 2. Completing the application 3. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 4. Replacement 5. Sources of insurability and HIPAA privacy information 6. Policy delivery 7. Explaining policy provisions, riders, exclusions, and ratings 8. Initial premium payment and receipt - Social Insurance 1. Social Security benefits 2. Medicare Parts A, B, C, and D 3. Medicaid - Types of Policies 1. Medicare supplement policies 2. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 3. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 4. Group insurance Differences between individual and group contracts General characteristics COBRA 5. Medical expense insurance Basic hospital, medical, and surgical policies Major medical policies Health Maintenance Organizations Preferred Provider Organizations Point of Service plans Flexible Spending Accounts High Deductible Health Plans and Health Savings Accounts Health Reimbursement Accounts 6. Individual and Group Long Term Care Eligibility Levels of care 7. Accidental death and dismemberment - Policy Provisions, Clauses, and Riders 1. Rights of renewability Noncancelable Cancelable Guaranteed renewable 2. Other provisions and clauses Insuring clause Free look Consideration clause Probationary period Elimination period Waiver of premium Exclusions and limitations Preexisting conditions Coinsurance Deductibles Eligible expenses Copayments Pre-authorizations and prior approval requirements Usual, reasonable, and customary charges Lifetime, annual, or per cause maximum benefit limits 3. Mandatory and optional provisions Entire contract Time limit on certain defenses Grace period Reinstatement Notice of claim Claim forms Proof of loss Time of payment of claims Payment of claims Physical examination and autopsy Legal actions Change of beneficiary Misstatement of age or gender Change of occupation Illegal occupation Relation of earnings to insurance 4. Riders Impairment and exclusions Guaranteed insurability Future increase option
Topic 4: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Licensing 1. Renewal and continuing education 2. Suspension, revocation, and refusal of license 3. Name of licensee 4. Obtaining a license 5. Termination of license 6. Persons required to be licensed - Definitions 1. Insurer 2. Cost-sharing 3. Premiums 4. Authorized and unauthorized 5. Domestic, foreign, and alien 6. Transacting insurance 7. Certificate of authority - Marketing Practices 1. Required records and record retention 2. Silver State Health Insurance Exchange 3. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 4. Fiduciary responsibilities 5. Commissions and payment restrictions 6. Affordable Care Act - Nevada Life and Health Insurance Guaranty Association - Insurance Commissioner 1. Notice and hearings and penalties 2. General powers and duties 3. Examinations

>> InsNV_Health02덤프공부문제 <<

최신 Nevada Insurance InsNV_Health02 무료샘플문제 (Q117-Q122):

질문 # 117
A whole life policyowner stops paying premiums and chooses to use the policy's cash value to purchase the same face amount of insurance for as long as that cash value will buy. Which nonforfeiture option was selected?

A. Cash surrender
B. Extended term insurance
C. Reduced paid-up insurance
D. Automatic premium loan

정답：B

설명：
Extended term insurance uses the policy's accumulated cash value to purchase term insurance for the original face amount. Because the cash value is limited, the coverage lasts only for a stated period. During that period, the death benefit remains equal to the original policy's face amount, but no additional cash value normally accumulates. When the extended term period ends, coverage terminates unless another policy provision applies.
Reduced paid-up insurance works differently. It uses the cash value to purchase a smaller amount of permanent, paid-up life insurance. The face amount is reduced, but the coverage continues for the insured's lifetime without further premium payments. Cash surrender ends the policy and pays the available cash value to the owner, less any indebtedness and applicable charges. An automatic premium loan provision uses available cash value to pay overdue premiums temporarily, thereby attempting to prevent lapse.
Nonforfeiture options are designed to preserve some policy value when a cash-value life policy is discontinued. They are not typically available in pure term insurance because term policies ordinarily do not accumulate cash value. The correct option depends on whether the owner values the original death benefit for a limited period or a smaller death benefit permanently.
References/topics from the Study Guide: Nonforfeiture Options; Extended Term Insurance; Reduced Paid-Up Insurance; Cash Surrender; Automatic Premium Loan.

질문 # 118
Insurance for the primary purpose of repaying a loan in the event of disability is referred to as:

A. Credit Accident and Health policy
B. Guaranteed Asset Protection policy
C. Loan Repayment policy
D. Credit Life and Major Medical policy

정답：A

설명：
Credit Accident and Health insurance is insurance on a debtor that provides indemnity for payments or debt becoming due on a specific loan or credit transaction while the debtor is disabled as defined by the policy. Its primary purpose is to protect the borrower and creditor by helping repay the outstanding debt when disability prevents the borrower from working or making scheduled payments.
The coverage may pay periodic loan installments during a qualifying disability or, depending on policy design, provide benefits related to the unpaid debt. It is connected to a specific credit obligation rather than serving as broad disability-income protection. The benefit is limited by the loan terms, policy provisions, waiting period, disability definition, and maximum benefit duration.
Guaranteed Asset Protection, or GAP, generally addresses the difference between an automobile's outstanding loan balance and its actual cash value after a covered total loss. Credit life insurance pays or reduces debt upon the debtor's death, not disability. "Loan Repayment policy" is not the standard statutory insurance term.
The examination distinction is that disability-related loan protection is Credit Accident and Health insurance, while death-related loan protection is Credit Life insurance.
Study Guide references/topics: credit insurance; disability protection; credit accident and health insurance; debtor; NRS 690A.0135 .

질문 # 119
Which feature most clearly distinguishes a health maintenance organization (HMO) from a traditional indemnity health insurance plan?

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

정답：B

설명：
An HMO is a managed-care arrangement that commonly delivers and finances health-care services through a defined network of providers. Covered persons typically select or are assigned a primary care provider who coordinates routine care and, depending on the plan design, provides referrals for specialist services. Services received outside the network may be limited or not covered except for emergencies or specifically authorized care.
Traditional indemnity insurance operates differently. It generally reimburses covered medical expenses subject to policy limits, deductibles, coinsurance, and usual-and-customary or other payment standards. The insured may have broader provider choice, but that flexibility is often paired with less managed coordination and potentially greater out-of-pocket exposure. A preferred provider organization, or PPO, also uses a network but typically allows nonnetwork care at reduced benefit levels rather than requiring the same referral structure associated with many HMOs.
The exam distinction is based on delivery of care and network control, not merely on whether a policy has a deductible. Managed-care plans seek to control cost and improve coordination by negotiating with providers and establishing coverage procedures. Nevada recognizes network plans as policies in which financing and delivery of medical care are provided, at least in part, through defined providers under contract with the insurer.
References/topics from the Study Guide: Managed Care; HMO; PPO; Network Plans; NRS 689A-Network Plan Definition.

질문 # 120
The Coinsurance clause in an individual Medical Expense policy refers to the:

A. insurance company ' s right to share claim experience with another company
B. insurance company ' s right to require the insured to share a certain percentage of the cost of each claim
C. insurance company ' s right to join with another company to carry excessive coverage on a particular individual
D. insured ' s rights to have another person, such as a spouse or child, insured on the same policy

정답：B

설명：
Coinsurance is the contractual sharing of covered medical expenses between the insured and the insurer after any applicable deductible has been satisfied. Choice D is correc t. Under a common 80/20 coinsurance arrangement, for example, the insurer pays 80 percent of an eligible expense and the insured pays the remaining 20 percent, up to any out-of-pocket maximum or other plan limitation. Coinsurance reduces premium cost and encourages insureds to consider the cost of care, while preserving significant protection against major expenses. It does not refer to adding family members to a policy, which concerns eligibility or family coverage. It also does not describe insurers sharing risk with each other; that would involve reinsurance or other insurer-to-insurer arrangements. Coinsurance should be distinguished from a deductible, which is a specified dollar amount the insured pays before policy benefits begin. A copayment is instead a fixed dollar amount paid for a covered service. The exact coinsurance percentage, covered-charge definition, network rules, and annual out-of-pocket limit are determined by the policy. Study Guide References/Topics:
Policy Provisions, Clauses, and Riders; Medical Expense Insurance; Deductibles and Coinsurance.

질문 # 121
Which statement best describes Medicare Part B?

A. It is medical insurance and generally requires enrollment and a monthly premium.
B. It provides only outpatient prescription-drug benefits.
C. It is Medicaid coverage for low-income individuals.
D. It is automatic for every person at age 55.

정답：A

설명：
Medicare Part B is the medical-insurance portion of Original Medicare. It generally helps cover physician services, outpatient care, diagnostic services, preventive care, durable medical equipment, and other covered medical services. Enrollment is generally voluntary, although it may be automatic for certain people who are already receiving Social Security benefits. Most individuals pay a monthly Part B premium, and higher- income beneficiaries may pay an income-related additional amount.
Part B should not be confused with Medicare Part D, which provides outpatient prescription-drug coverage, or with Medicaid, which is a joint federal-state program for eligible individuals with limited income and resources. Part B also differs from Part A, which is primarily hospital insurance. Delaying Part B enrollment without qualifying employer coverage can result in late-enrollment penalties and gaps in coverage, so producers should avoid casual advice and instead direct consumers to current Medicare enrollment guidance.
When discussing Medicare-related products, producers must accurately identify whether a client has Original Medicare, a Medicare Advantage plan, a Medicare supplement policy, and/or a Part D prescription-drug plan.
These arrangements have different rules, premiums, provider networks, and cost-sharing structures.
References/topics from the Study Guide: Medicare Part B; Original Medicare; Enrollment Periods; Medicare Premiums; Medicare Supplement Products.

질문 # 122
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최신버전InsNV_Health02덤프공부문제완벽한시험덤프샘플문제다운로드

Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

최신버전 InsNV_Health02덤프공부문제 퍼펙트한 덤프는 시험패스에 가장 좋은 공부자료

최신 Nevada Insurance InsNV_Health02 무료샘플문제 (Q117-Q122):