많은 시간과 정신력을 투자하고 모험으로Insurance Licensing인증InsNV_Health02시험에 도전하시겠습니까? 아니면 우리DumpTOP 의 도움으로 시간을 절약하시겠습니까? 요즘 같은 시간인 즉 모든 것인 시대에 여러분은 당연히 DumpTOP의 제품이 딱 이라고 생각합니다. 그리고 우리 또한 그 많은 덤프판매사이트 중에서도 단연 일등이고 생각합니다. 우리 DumpTOP선택함으로 여러분은 성공을 선택한 것입니다.
| Section | Weight | Objectives |
|---|---|---|
| Accident and Health — General Knowledge | ~68% | - Social Insurance / Government Plans
|
| Nevada Statutes, Rules and Regulations | ~32% | - General State Insurance Regulations
|
>> InsNV_Health02최신 인증시험 덤프데모 <<
It 업계 중 많은 분들이 인증시험에 관심이 많은 인사들이 많습니다.it산업 중 더 큰 발전을 위하여 많은 분들이Insurance Licensing InsNV_Health02를 선택하였습니다.인증시험은 패스를 하여야 자격증취득이 가능합니다.그리고 무엇보다도 통행증을 받을 수 잇습니다.Insurance Licensing InsNV_Health02은 그만큼 아주 어려운 시험입니다. 그래도Insurance Licensing InsNV_Health02인증을 신청하여야 좋은 선택입니다.우리는 매일매일 자신을 업그레이드 하여야만 이 경쟁이 치열한 사회에서 살아남을 수 있기 때문입니다.
질문 # 58
An application for an individual Disability Income policy may require all of the following information about the proposed insured EXCEPT for:
정답：D
설명：
The correct answer is D. Underwriting for an individual disability income policy focuses on facts that affect the proposed insured's probability of disability, ability to work, existing income protection, and potential for overinsurance. Marital status and occupation may be relevant to financial and occupational underwriting.
Medical history is directly relevant because past and current health conditions can affect eligibility, exclusions, ratings, or benefit limitations. Other disability policies already in force are important because insurers must evaluate the total amount of disability benefits relative to earned income and avoid excessive coverage. The spouse's occupation ordinarily does not determine the proposed insured's disability risk or benefit eligibility and is therefore the least relevant item. Insurers also may request information about income, employer, job duties, hazardous activities, tobacco use, prior claims, and other sources of disability income.
The producer must obtain complete and accurate answers from the applicant, explain questions when necessary, and avoid making assumptions or completing answers without the applicant's direction. Study Guide References/Topics: Completing the Application, Underwriting, and Delivering the Policy; Disability Income Underwriting; Application Information.
질문 # 59
Which of the following is true regarding Medicare Advantage Plans?
정답：C
설명：
Medicare Advantage, also called Medicare Part C, is private-plan coverage approved by Medicare. These plans must provide at least the services covered by Original Medicare, subject to Medicare rules, but they may structure deductibles, copayments, and coinsurance differently. For many enrollees, a plan's benefit design can reduce or eliminate certain cost-sharing amounts that would otherwise apply under Original Medicare.
Medicare Advantage plans also include a yearly maximum out-of-pocket limit for covered Medicare services.
Vision, hearing, and dental benefits may be offered as supplemental benefits by many Medicare Advantage plans, but they are not universally mandated as a standard benefit in every plan. Drug coverage is commonly included, but it is not restricted to generic medications only. Part D formularies can include both generic and brand-name drugs, subject to plan rules and Medicare requirements.
The final option is incorrect because an enrollee does not receive a reduced premium merely by opting out of preventive care. Preventive benefits and plan premiums are governed by Medicare and plan design rules rather than by an individual's decision to decline a preventive program.
Study Guide references/topics: Medicare Part C; Medicare Advantage; deductibles; coinsurance; out-of- pocket limits; Medicare Advantage cost rules .
질문 # 60
A group health policy that covers hospital expenses MUST also cover:
정답：B
설명：
A group health policy that provides hospital-expense coverage must also provide coverage for routine physical examinations. Routine examinations are preventive services intended to identify health concerns early, promote wellness, and reduce the risk that a medical condition will progress before treatment begins.
Burial expenses are not health-insurance benefits. They are ordinarily addressed through life insurance, final- expense coverage, or other arrangements. Elective cosmetic surgery is generally excluded unless it is medically necessary, reconstructive, or otherwise required by the policy or applicable law. Travel expenses for caretakers are likewise not a standard mandatory group health benefit.
The key point is that group health coverage is not confined to hospitalization after illness or injury occurs.
Required provisions can include preventive and health-maintenance benefits. Routine physical examinations allow the insured to receive medical assessment before a condition requires hospital confinement or major treatment.
The exact scope of a routine examination, frequency limitations, network requirements, and whether additional diagnostic services are covered may depend on the policy and applicable preventive-care rules. But among the choices, routine physical examinations are the mandated benefit associated with hospital-expense group coverage.
Study Guide references/topics: group health required provisions; hospital expense coverage; preventive care; routine physical examinations; Nevada group-health policy requirements .
질문 # 61
Which of the following situations describes a representation?
정답：C
설명：
A representation is a statement made by an applicant on an insurance application that is believed to be true to the best of the applicant's knowledge and is required to be substantially true. Choice C correctly states that principle. A representation differs from a warranty. A warranty is a statement or promise that must be literally and absolutely true; choice D describes that stricter standard rather than a representation. Application answers help the insurer evaluate risk during underwriting, so material misrepresentations can affect coverage or the insurer's decision to issue the policy. However, not every immaterial or innocent inaccuracy has the same legal effect. The significance of a misstatement depends on its materiality and the applicable policy and insurance-law rules. Choices A and B describe potential policy promises or contract features, not statements made by a prospect in the application. For licensing purposes, remember that insurance applications are generally treated as containing representations, not warranties, unless the policy or law provides otherwise.
Study Guide References/Topics: Completing the Application, Underwriting, and Delivering the Policy; Representations and Warranties; Underwriting.
질문 # 62
Which statement best describes a preferred provider organization (PPO)?
정답：A
설명：
A preferred provider organization, or PPO, contracts with a network of preferred providers who agree to provide services under negotiated payment arrangements. Members generally receive the highest level of benefit and lowest out-of-pocket cost when they use participating providers. Many PPOs also permit use of nonnetwork providers, but the member normally pays more through a higher deductible, higher coinsurance, balance billing exposure, or reduced reimbursement.
A PPO differs from a traditional HMO because it commonly provides more flexibility in choosing providers and may not require a primary-care referral for specialist care. However, the tradeoff may be higher premiums, higher cost sharing, and more complex reimbursement rules. A PPO is still managed care; it may use prior authorization, utilization review, formularies, and network rules.
A producer should explain provider-network access, emergency-care rules, deductible and coinsurance amounts, out-of-network payment limitations, and whether a provider is actually participating at the time of enrollment. The phrase "you can see any doctor" can be misleading if nonnetwork care is covered at a lower level or exposes the insured to significant unpaid charges.
References/topics from the Study Guide: PPO; Managed Care; Provider Networks; In-Network and Out-of- Network Benefits; Cost Sharing.
질문 # 63
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Insurance Licensing인증 InsNV_Health02시험준비중이신 분들은Insurance Licensing인증 InsNV_Health02시험통과가 많이 어렵다는것을 알고 있을것입니다. 학교공부하랴,회사다니랴 자격증공부까지 하려면 너무 많은 정력과 시간이 필요할것입니다. 그렇다고 자격증공부를 포기하면 자신의 위치를 찾기가 힘들것입니다. DumpTOP 덤프는 IT인증시험을 대비하여 제작된것이므로 시험적중율이 높아 다른 시험대비공부자료보다 많이 유용하기에 IT자격증을 취득하는데 좋은 동반자가 되어드릴수 있습니다. DumpTOP 덤프를 사용해보신 분들의 시험성적을 통계한 결과 시험통과율이 거의 100%에 가깝다는 놀라운 결과를 얻었습니다.
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