Florida Health Insurance Practice Exam Free 2026

• A. A summary of the member's benefits and coverage under the group policy
• B. A separate individually owned policy in every case
• C. A guaranteed license to sell insurance
• D. A property claim settlement

Correct answer: A. A summary of the member's benefits and coverage under the group policy

Explanation: Group members commonly receive certificates or summaries that explain their benefits under the master group policy.

• A. To define when a new employee or member may become eligible for coverage
• B. To delay every claim forever
• C. To decide who receives a life insurance death benefit
• D. To cancel coverage after each doctor visit

Correct answer: A. To define when a new employee or member may become eligible for coverage

Explanation: Eligibility or waiting periods set timing rules for when employees or members may enroll in group coverage.

• A. Covered employees pay part of the premium
• B. Only the insurer pays the premium
• C. No one pays any premium
• D. The provider network pays claims directly without an insurer

Correct answer: A. Covered employees pay part of the premium

Explanation: A contributory plan requires covered employees to contribute toward the cost of coverage, while a noncontributory plan is fully paid by the employer or sponsor.

• A. Allow certain qualified beneficiaries to continue group health coverage for a limited time after qualifying events
• B. Replace Medicare for every senior
• C. Pay a life insurance death benefit
• D. Remove all deductibles from every policy

Correct answer: A. Allow certain qualified beneficiaries to continue group health coverage for a limited time after qualifying events

Explanation: COBRA generally allows eligible people to continue group health coverage temporarily after qualifying events, subject to federal rules and plan requirements.

• A. To determine payment order when a person is covered by more than one plan
• B. To change a provider's medical license
• C. To select a life insurance beneficiary
• D. To replace claim forms with advertising

Correct answer: A. To determine payment order when a person is covered by more than one plan

Explanation: Coordination of benefits helps prevent duplicate overpayment and determines how multiple health plans share payment responsibility.

• A. A covered person may change to individual coverage when group coverage ends, if policy terms allow
• B. A producer may convert a health policy into auto insurance
• C. An insurer may refuse every claim without review
• D. A provider may change the insured's deductible

Correct answer: A. A covered person may change to individual coverage when group coverage ends, if policy terms allow

Explanation: A conversion privilege may allow a person losing group coverage to obtain individual coverage without the same underwriting process, subject to plan and legal requirements.

• A. Hospital insurance
• B. Prescription-only insurance
• C. Dental-only insurance
• D. Homeowners liability insurance

Correct answer: A. Hospital insurance

Explanation: Medicare Part A is commonly described as hospital insurance, though exact benefits, costs, and eligibility should be verified through official Medicare resources.

• A. Medical insurance for services such as doctor visits and outpatient care
• B. Only nursing home room charges
• C. Only property damage
• D. Only producer licensing fees

Correct answer: A. Medical insurance for services such as doctor visits and outpatient care

Explanation: Medicare Part B is commonly described as medical insurance for certain doctor, outpatient, and related services, subject to official program rules.

• A. A private-plan alternative for receiving Medicare benefits, also called Part C
• B. A state property insurance plan
• C. A disability income elimination period
• D. A life insurance settlement option

Correct answer: A. A private-plan alternative for receiving Medicare benefits, also called Part C

Explanation: Medicare Advantage, or Part C, is generally a private-plan way to receive Medicare benefits, subject to federal rules and plan details.

• A. To help pay certain out-of-pocket costs under Original Medicare
• B. To replace every federal Medicare rule
• C. To insure a business building
• D. To pay a death benefit to a beneficiary

Correct answer: A. To help pay certain out-of-pocket costs under Original Medicare

Explanation: Medicare Supplement, or Medigap, policies are designed to help with certain out-of-pocket costs under Original Medicare, subject to standardized plan rules.

• A. Care services needed because of chronic illness, disability, or inability to perform activities of daily living
• B. Routine auto maintenance
• C. Homeowners fire damage
• D. A life policy's cash value loan

Correct answer: A. Care services needed because of chronic illness, disability, or inability to perform activities of daily living

Explanation: Long-term care insurance helps cover certain long-term care services when the insured meets benefit triggers such as needing help with activities of daily living.

• A. Bathing
• B. Driving a commercial truck
• C. Filing a property claim
• D. Choosing a life insurance beneficiary

Correct answer: A. Bathing

Explanation: Activities of daily living commonly include basic self-care functions such as bathing, dressing, eating, toileting, transferring, and continence.