BONUS!!! Download part of DumpsKing NY-Life-Accident-and-Health dumps for free: https://drive.google.com/open?id=1rQqOnVAt6vizVGU7Kk7HlqC0gQcxHqRi
You can access our web-based New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 (NY-Life-Accident-and-Health) practice exam from anywhere with an internet connection, and fit your studying into your busy schedule. No more traveling to a physical classroom, wasting time and money on gas or public transportation. With the web-based Insurance Licensing NY-Life-Accident-and-Health Practice Test, you can evaluate and enhance your progress. Customizable web-based mock exam creates a real New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 (NY-Life-Accident-and-Health) exam environment and works on all operating systems.
| Section | Objectives |
|---|---|
| Topic 1: Insurance Fundamentals | - Principles of insurance and risk management
|
| Topic 2: Accident and Health Insurance | - Health insurance products
|
| Topic 3: State Regulations (New York) | - Ethics and compliance
|
>> NY-Life-Accident-and-Health Certification Dumps <<
The accuracy rate of DumpsKing NY-Life-Accident-and-Health exam certification training materials is high with wide coverage. It not only can improve your cultural knowledge, but also improve your operation level. It not only makes you become IT elite, but also make you have a well-paid job that others admire. Before buying our NY-Life-Accident-and-Health Certification Training materials, you can download NY-Life-Accident-and-Health free demo and answers on probation on DumpsKing website.
NEW QUESTION # 24
Medicaid provides which coverage that Medicare does NOT?
Answer: B
Explanation:
The correct answer is custodial care . Medicaid is a government health assistance program for individuals who meet certain income and resource requirements , and one of its important features is that it may provide coverage for long-term custodial care , particularly in a nursing home or similar setting for eligible individuals. Custodial care generally refers to assistance with activities of daily living , such as bathing, dressing, eating, and moving about, rather than treatment intended to cure or improve a medical condition.
Medicare, by contrast, is primarily designed to cover acute care and medically necessary services. It does cover services such as ambulance transportation , inpatient hospital services , and certain forms of inpatient psychiatric care , subject to policy limits and eligibility requirements. However, Medicare generally does not pay for ongoing custodial care when that is the only type of care needed.
This distinction is commonly tested in accident and health insurance licensing exams because it highlights the difference between medical insurance for acute or skilled care and public assistance coverage for long-term support needs . Therefore, the service Medicaid provides that Medicare does not is custodial care .
NEW QUESTION # 25
What is the purpose of the Accelerated Death Benefit Rider?
Answer: C
Explanation:
The Accelerated Death Benefit Rider is designed to allow an insured who is terminally ill to receive all or part of the policy's death benefit before death . This rider is intended to help with serious financial needs that can arise at the end of life, such as medical expenses, long-term care costs, hospice care, or other personal obligations. Because the benefit is paid early, the amount ultimately payable to the beneficiary at the insured's death is typically reduced by the amount accelerated, plus any applicable charges.
This rider does not increase the death benefit by a stated percentage, so A is incorrect. It is also not primarily intended to reduce estate taxes, making C incorrect. Choice D describes a cost-of-living or inflation-related adjustment feature, not an accelerated death benefit. In licensing materials, the key phrase tied to this rider is early payment of the death benefit due to terminal illness . Therefore, the correct answer is B , because the rider's main purpose is to give the insured access to policy proceeds while still living when specific qualifying conditions are met
NEW QUESTION # 26
On or after January 1, 2014, employers with no more than 25 full time equivalent employees (FTEs) with average annual wages of less than $50,000 may be eligible for a tax credit of up to how much of the premiums paid by the employer?
Answer: B
Explanation:
Beginning January 1, 2014 , the Affordable Care Act (ACA) expanded the Small Employer Health Insurance Tax Credit to encourage small employers to offer health coverage. Under the post-2014 rules referenced in licensing materials, an eligible small employer with no more than 25 full-time equivalent (FTE) employees and average annual wages under $50,000 may qualify for a credit of up to 50% of the employer's premium contribution (with a lower maximum generally applying to eligible tax-exempt employers). The credit is designed to offset part of the cost of providing group health insurance, and eligibility and the credit amount depend on meeting the size and wage thresholds and contributing toward employee premiums.
The maximum percentage is important: 50% is the "up to" cap used for small employers under the ACA framework on or after 2014, making option C correct. The other options are distractors because they understate or overstate the statutory maximum credit percentage available to qualifying small employers during that period.
NEW QUESTION # 27
Which of the following is NOT an Essential Health Benefit Category under the Affordable Care Act?
Answer: B
Explanation:
The Affordable Care Act (ACA) requires non-grandfathered individual and small group health plans to cover Essential Health Benefits (EHBs) -a defined set of benefit categories that must be included to ensure comprehensive coverage. The EHB categories include, among others, emergency services , laboratory services , and maternity and newborn care , all of which are explicitly listed as required categories. These categories ensure access to critical care such as emergency treatment, diagnostic testing and screenings through lab services, and prenatal, delivery, and newborn-related services.
" Alternative Medicine " is not one of the ACA's EHB categories. While some plans may choose to cover certain alternative or complementary treatments (for example, limited chiropractic or acupuncture benefits), such services-when covered-are typically plan-specific design choices or may be addressed under broader categories only if the state's EHB benchmark defines them that way. The ACA does not mandate "Alternative Medicine" as a standalone essential benefit category in the way it mandates emergency, lab, and maternity
/newborn coverage. Therefore, the option that is NOT an Essential Health Benefit Category is Alternative Medicine .
NEW QUESTION # 28
Which of the following services must be provided by a health benefit plan issued on or after January 1, 2014?
Answer: A
Explanation:
The correct answer is D. Preventive health services. Health benefit plans issued on or after January 1, 2014 became subject to the Affordable Care Act's essential health benefit and preventive-service requirements for non-grandfathered coverage in the individual and small-group markets. Those rules require coverage for specified preventive services without cost-sharing when provided in accordance with federal guidelines. New York's post-2014 marketplace coverage materials likewise explain that plans must include the ACA's required essential health benefits, which include preventive and wellness services.
The other options are not the mandatory general requirement described in this question. Adult eye care and adult dental care are not universally required as core benefits in the same way preventive services are; the ACA's pediatric services category specifically includes pediatric vision and dental, not broad adult routine vision or dental as mandatory across all such plans. Long-term care services are also not one of the essential health benefits that every post-2014 health benefit plan must provide. Therefore, among the choices given, the service that must be provided is preventive health services
NEW QUESTION # 29
......
You can easily get New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 (NY-Life-Accident-and-Health) certified if you prepare with our Insurance Licensing NY-Life-Accident-and-Health questions. Our product contains everything you need to ace the NY-Life-Accident-and-Health certification exam and become a certified IT professional. So what are you waiting for? Purchase this updated New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 (NY-Life-Accident-and-Health) exam practice material today and start your journey to a shining career.
NY-Life-Accident-and-Health Reliable Test Simulator: https://www.dumpsking.com/NY-Life-Accident-and-Health-testking-dumps.html
P.S. Free 2026 Insurance Licensing NY-Life-Accident-and-Health dumps are available on Google Drive shared by DumpsKing: https://drive.google.com/open?id=1rQqOnVAt6vizVGU7Kk7HlqC0gQcxHqRi