Missouri Health Insurance Practice Exam Free - 2026

• A. Within 60 days after termination
• B. Within 31 days after termination
• C. Within 90 days after termination
• D. Within 10 days after termination

Correct answer: B. Within 31 days after termination

Explanation: RSMo § 376.397 requires group hospital, surgical, or major medical policies to give a terminated employee a converted policy without evidence of insurability, provided written application and the first premium are made to the insurer not later than thirty-one days after termination. Sixty, ninety, and ten days are not the statutory deadline. See RSMo § 376.397.

• A. It may terminate at any time with 10 days' notice
• B. It may terminate only after the policy's third anniversary with 60 days' notice
• C. It may not terminate before the policy's first anniversary and must give the policyholder at least 31 days' notice
• D. It may never terminate the policy without the policyholder's written consent

Correct answer: C. It may not terminate before the policy's first anniversary and must give the policyholder at least 31 days' notice

Explanation: RSMo § 376.426(15) requires group health policies to state that, except for nonpayment of premium or failure to meet continued underwriting standards, the insurer may not terminate the policy prior to its first anniversary date and must give the policyholder at least thirty-one days' notice of any intention to terminate. Ten days, a third-anniversary rule with sixty days' notice, and a consent requirement are not what the statute provides. See RSMo § 376.426.

• A. At least 1 but no more than 25
• B. At least 2 but no more than 100
• C. At least 5 but no more than 50
• D. At least 2 but no more than 50

Correct answer: D. At least 2 but no more than 50

Explanation: RSMo § 379.930.2(34) defines a small employer as one that employed an average of at least two but no more than fifty eligible employees on business days during the preceding calendar year and employs at least two employees on the first day of the plan year, so a 40-employee business qualifies. The other ranges do not match the statutory definition. See RSMo § 379.930.

• A. 24 hours
• B. 48 hours
• C. 96 hours
• D. 120 hours

Correct answer: C. 96 hours

Explanation: RSMo § 376.1210 requires policies providing maternity benefits to cover a minimum of forty-eight hours of inpatient care following a vaginal delivery and a minimum of ninety-six hours following a cesarean section, unless the attending physician approves an earlier discharge and post-discharge care is covered. Forty-eight hours is the vaginal-delivery minimum, and twenty-four and one hundred twenty hours are not statutory figures. See RSMo § 376.1210.

• A. Coverage that replaces income for an extended period, often until age 65
• B. Coverage that pays medical bills for minor injuries that heal within a few weeks
• C. Coverage that replaces income for a limited period, typically 3-6 months
• D. Coverage that pays partial benefits when the insured returns to work at reduced pay

Correct answer: C. Coverage that replaces income for a limited period, typically 3-6 months

Explanation: Short-term disability insurance provides income replacement for a limited period, typically 3-6 months, during which the insured cannot work due to illness or injury.

• A. Coverage that pays for nursing home or custodial care for the rest of the insured's life
• B. Coverage that replaces income for a limited period, typically a few months
• C. Coverage that pays hospital and doctor bills for chronic conditions over many years
• D. Coverage that provides income for extended periods, often until age 65

Correct answer: D. Coverage that provides income for extended periods, often until age 65

Explanation: Long-term disability insurance provides income replacement for extended periods, potentially lasting years or until the insured reaches age 65, after short-term disability benefits are exhausted.

• A. Partial benefits when the insured can work but at reduced capacity or income
• B. Full benefits that continue after the insured recovers and returns to work full time
• C. Benefits for a disability that recurs after the insured has returned to work
• D. Benefits payable for the portion of the elimination period the insured has completed

Correct answer: A. Partial benefits when the insured can work but at reduced capacity or income

Explanation: Residual disability coverage provides partial benefits when the insured can return to work but at reduced hours or in a limited capacity, resulting in reduced income.

• A. Joint federal-state program for people with limited income and assets
• B. Federal health insurance program primarily for people 65 and older
• C. State-administered program that pays for work-related injuries and illness
• D. Private supplemental insurance that pays deductibles and coinsurance

Correct answer: B. Federal health insurance program primarily for people 65 and older

Explanation: Medicare is a federal health insurance program primarily for people 65 and older, as well as certain younger people with disabilities and those with End-Stage Renal Disease.

• A. Medical insurance for doctor visits and outpatient care
• B. Outpatient prescription drug coverage
• C. Hospital insurance including inpatient care
• D. Routine dental, vision, and hearing services

Correct answer: C. Hospital insurance including inpatient care

Explanation: Medicare Part A is hospital insurance that covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

• A. Hospital insurance including inpatient stays and skilled nursing care
• B. Prescription drug coverage sold through private plans
• C. Custodial long-term nursing home care for the elderly
• D. Medical insurance including doctor services and outpatient care

Correct answer: D. Medical insurance including doctor services and outpatient care

Explanation: Medicare Part B is medical insurance that covers physician services, outpatient care, preventive services, durable medical equipment, and some home health care.

• A. Private supplemental policies that pay Original Medicare's deductibles, copays, and coinsurance
• B. Private health plans that provide all Part A and B coverage, often with additional benefits
• C. Stand-alone prescription drug plans sold by private insurers approved by Medicare
• D. Government-run plans that replace Parts A and B for people who are still working at 65

Correct answer: B. Private health plans that provide all Part A and B coverage, often with additional benefits

Explanation: Medicare Part C (Medicare Advantage) plans are offered by private insurers approved by Medicare. They must cover everything Original Medicare covers and often include additional benefits like vision, dental, and prescription drugs.

• A. Prescription drug coverage
• B. Inpatient hospital care
• C. Outpatient physician services
• D. Routine dental and vision care

Correct answer: A. Prescription drug coverage

Explanation: Medicare Part D provides prescription drug coverage. It's offered through private plans approved by Medicare, either as stand-alone prescription drug plans or as part of Medicare Advantage plans.