High Pass-Rate InsNV_Health02 Reliable Test Topics Covers the Entire Syllabus of InsNV_Health02

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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%	- Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Long Term Care - Coverage for reconstructive surgery - Medicare 1. Prescription Drug Plan 2. Medicare supplement regulation 3. Medicare Advantage Plans - Hospice care - Mandatory policy clauses and provisions 1. Coverage for physical handicap or intellectual disability for dependent children 2. Coverage for preventive healthcare services 3. Coverage for newborn children
Topic 2: Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Credit life and health insurance - Group life and health insurance 1. Eligible groups 2. Required provisions - Advertising
Topic 3: Accident & Health – General Knowledge	50%	- Policy Provisions, Clauses, and Riders 1. 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 2. Rights of renewability Noncancelable Cancelable Guaranteed renewable 3. Riders Impairment and exclusions Guaranteed insurability Future increase option 4. 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 - Other Insurance Concepts 1. Nonduplication and coordination of benefits 2. Workers Compensation 3. Dependent children benefits 4. Occupational vs. non-occupational 5. Tax treatment of premiums and proceeds of insurance contracts 6. Cost containment 7. Primary and contingent beneficiaries 8. Subrogation 9. Managed care 10. Modes of premium payments 11. Total, partial, recurrent, and residual disability 12. Owner's rights - Social Insurance 1. Social Security benefits 2. Medicaid 3. Medicare Parts A, B, C, and D - Field Underwriting Procedures 1. Sources of insurability and HIPAA privacy information 2. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 3. Initial premium payment and receipt 4. Explaining policy provisions, riders, exclusions, and ratings 5. Completing the application 6. Policy delivery 7. Submitting application and initial premium to company for underwriting 8. Replacement - Types of Policies 1. Accidental death and dismemberment 2. Group insurance Differences between individual and group contracts General characteristics COBRA 3. 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 4. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 5. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 6. Medicare supplement policies 7. Individual and Group Long Term Care Eligibility Levels of care
Topic 4: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Marketing Practices 1. Silver State Health Insurance Exchange 2. Fiduciary responsibilities 3. Affordable Care Act 4. Required records and record retention 5. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 6. Commissions and payment restrictions - Insurance Commissioner 1. Examinations 2. General powers and duties 3. Notice and hearings and penalties - Definitions 1. Authorized and unauthorized 2. Domestic, foreign, and alien 3. Transacting insurance 4. Insurer 5. Premiums 6. Certificate of authority 7. Cost-sharing - Nevada Life and Health Insurance Guaranty Association - Licensing 1. Persons required to be licensed 2. Renewal and continuing education 3. Name of licensee 4. Termination of license 5. Suspension, revocation, and refusal of license 6. Obtaining a license

>> InsNV_Health02 Reliable Test Topics <<

2026 Useful InsNV_Health02 Reliable Test Topics | 100% Free InsNV_Health02 Reliable Exam Blueprint

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Insurance Licensing NV Accident and Health Sample Questions (Q64-Q69):

NEW QUESTION # 64
Which of the following benefits are usually EXCLUDED or limited under a Long Term Care policy?

A. Home health care
B. Skilled nursing
C. Addictive behavior rehabilitation
D. Hospice care

Answer: C

Explanation:
Long-term care insurance is intended to provide benefits for qualified services needed because of chronic illness, cognitive impairment, or inability to perform activities of daily living. Typical covered settings and services include skilled nursing facilities, home health care, and hospice care, subject to the policy's benefit triggers, elimination period, daily or monthly limits, and plan of care requirements. Therefore, choice D is correct. Treatment or rehabilitation for addictive behavior is commonly excluded or restricted because it is not ordinarily a qualifying l ong-term care service under the policy's chronic-care purpose. Long-term care insurance is not the same as comprehensive medical insurance, disability income insurance, or substance-use treatment coverage. Before benefits become payable, the insured usually must be certified as chronically ill, often based on inability to perform at least two activities of daily living or severe cognitive impairment.
Policies may cover institutional care, assisted living, adult day care, respite care, and home-based services, but each benefit is subject to contractual definitions and limits. Study Guide References/Topics: Types of Health Insurance Policies; Long-Term Care Insurance; Long-Term Care Exclusions and Benefit Triggers.

NEW QUESTION # 65
The Coinsurance clause in an individual Medical Expense policy refers to the:

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

Answer: D

Explanation:
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.

NEW QUESTION # 66
A group health insurance policy MUST include coverage for which of the following expenses?

A. Over-the-counter dietary supplements
B. Adult dental
C. Adult vision
D. Hospice

Answer: D

Explanation:
A group health insurance policy in Nevada must include coverage for expenses arising from hospice care.
Hospice care is intended for patients with terminal illness and emphasizes comfort, pain control, symptom management, supportive services, and assistance for the patient and family rather than curative treatment.
Nevada's group-policy required-provisions statute specifically identifies benefits for expenses arising from hospice care. This makes hospice the correct answer. Adult dental and adult vision benefits may be offered by separate policies, riders, employer plans, or benefit arrangements, but they are not universally required in every group health policy. Over-the-counter dietary supplements are not a standard mandated group health benefit and are generally covered only when specifically provided by a policy or health plan.
Hospice coverage should be distinguished from ordinary inpatient hospital coverage. Hospice care may be delivered in a home, residential setting, hospice facility, or other appropriate location, depending on the patient's needs and the terms of coverage. It frequently involves an interdisciplinary team and includes both patient care and family-support services.
Study Guide references/topics: group health required provisions; hospice care; mandated benefits; supportive services; NRS 689B.030 .

NEW QUESTION # 67
Which of the following policies provides a specified income benefit when the insured person becomes unable to work because of illness or accident?

A. Disability Income
B. Supplemental Income
C. Emergency Income
D. Temporary Income

Answer: A

Explanation:
Disability Income insurance is designed to replace a portion of an insured's earned income when illness or accidental injury prevents the insured from working. Choice D is correct. Unlike medical expense insurance, which pays for covered health-care costs, disability income coverage pays a stated periodic benefit- commonly monthly-to help the insured meet ordinary financial obligations during disability. Benefits are subject to the policy definition of disability, elimination period, benefit period, maximum monthly benefit, and any offsets or residual-disability provisions. "Emergency Income," "Supplemental Income," and
"Temporary Income" are not standard policy classifications that describe the core income-replacement product tested here. Disability policies may be written on an own-occupation, modified-own-occupation, or any-occupation basis, and that definition materially affects when benefits are payable. Individual disability income is commonly purchased by self-employed persons, professionals, and others who want income protection beyond employer-sponsored benefits. Group disability plans often provide short-term and long- term benefits, while individual policies can offer more customized benefit levels, riders, and noncancellable or guaranteed-renewable features. Study Guide References/Topics: Types of Health Insurance Policies; Disability Income Insurance; Income Replacement.

NEW QUESTION # 68
Which of the following persons is NOT required to be licensed by the Nevada Insurance Commissioner?

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

Answer: D

Explanation:
A salaried insurance company employee performing only clerical and administrative work is not required to hold an insurance producer license. The exemption applies when the employee does not sell, solicit, or negotiate insurance and is not compensated by commission based on insurance transactions.
Licensing is required for persons whose activities bring them into the regulated functions of insurance production, brokering, adjusting, or other licensed insurance activity. A person who procures insurance for an insured is acting in a producer or broker capacity and requires appropriate authority. An individual involved in investigating and settling claims may require an adjuster license depending on the duties performed.
Likewise, an agency clerk who receives commissions related to processed applications is no longer functioning solely as a clerical employee; commission-based activity indicates involvement in the insurance transaction.
The distinction is based on the actual work performed, not merely the person's job title. A company may call someone an assistant, representative, clerk, or customer-service employee, but the individual must be licensed if the person sells, solicits, negotiates, or otherwise performs regulated insurance functions.
Study Guide references/topics: producer licensing; licensing exemptions; clerical employees; sales, solicitation, and negotiation; NRS 683A.117 .

NEW QUESTION # 69
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