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Accident and Health or Sickness Producer — Information & Free Practice

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Accident and Health or Sickness Producer

Provider
Prometric
Format
Computer-administered four-option multiple-choice examination, offered in English and Spanish
Exam questions
80 scored questions plus 10 unscored questions
Time limit
1 hour 45 minutes
Exam fee
$62
Examination outline
  • 1.0 Insurance Regulation 30% (24 items)
    • 1.1 Licensing
    • 1.1 Licensing > General Provisions and Definitions
    • 1.1 Licensing > Purpose
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1))
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1)) > Initial Licensure Qualifications
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1)) > Examination
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1)) > License fee & application
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1))
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Producers
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Advisers
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Nonresidents
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Business entities
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Exceptions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);))
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Duration and termination
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Address and/or name changes
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Assumed names
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Requirement to report felony convictions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Requirement to report other states actions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Continuing education
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209)
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Producer's contract with insurer versus producer's appointment with insurer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Producer's appointment versus agency's appointment
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Solicitation prior to appointment
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Appointment requirement after becoming licensed
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Acknowledgment of appointment/notice to producer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Requirement to cease solicitation
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Termination of appointment/notice to producer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Termination of license without active appointment
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202)
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Probation, suspension, revocation or refusal to issue or renew
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Cease and desist order
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Penalties
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Hearings/Notice of Hearings
    • 1.1 Licensing > Fraud (Insurance Article Annotated Code- Sec. 27- 216(a)(1)(i); Sec. 2-401)
    • 1.2 State regulation
    • 1.2 State regulation > Maryland Insurance Administration's general duties and powers (Insurance Article Annotated Code- Sec. 2-102(a); Sec. 2-103(a)(4); Sec. 2-204(b)(1); Sec. 14- 404, 16-601; Sec. 1- 301; Sec. 2-101)
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03)
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Acting for an unlicensed insurer
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Record retention
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Activities of unlicensed individuals
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Payment and sharing of commissions
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Charging of fees
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Illegal compensation; exceptions
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Fiduciary capacity
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Responsibility of trust accounts
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1))
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Misrepresentation
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > False advertising
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Defamation
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Notice of Adverse Underwriting Decisions
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > False statements and entries
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Rebating
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Twisting
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Referrals
    • 1.2 State regulation > Insurance information and privacy protection
    • 1.3 Providers
    • 1.3 Providers > Types of Providers
    • 1.3 Providers > Types of Providers > Insurers (Annotated Code- Sec. 1-101)
    • 1.3 Providers > Types of Providers > Non Profits Health Service Plans (Insurance Article Annotated Code- Sec. 14-101 and 14- 102)
    • 1.3 Providers > Types of Providers > Health Maintenance Organizations (HMOs) (COMAR Sec. 31.12.07.02(B)(3); Health General Article Annotated Code-Title 19 Subtitle 7- Sec. 19-701; Sec. 19-705)
    • 1.4 Plan requirements
    • 1.4 Plan requirements > Eligibility requirements
    • 1.4 Plan requirements > Eligibility requirements > Dependent child age limit
    • 1.4 Plan requirements > Eligibility requirements > Coverage for adopted children
    • 1.4 Plan requirements > Eligibility requirements > Newborn child coverage
    • 1.4 Plan requirements > Eligibility requirements > Medical child support coverage
    • 1.4 Plan requirements > Eligibility requirements > Intellectual disability and physical handicap dependent coverage
    • 1.4 Plan requirements > Mandated or Required Offers (Insurance Article Annotated Code- Sec. 15-407, 15- 408, 15-409; Sec. 15-801, 15-802, 15-810, 15-839)
    • 1.4 Plan requirements > Mandated or Required Benefits (COMAR Sec. 31.10.06.08(B)(12); Insurance Article Annotated Code- Sec. 15-804(3); Sec. 15- 802, 15-838, 15- 841)
    • 1.4 Plan requirements > Other Requirements
    • 1.4 Plan requirements > Small Employer Health Insurance (Insurance Article Annotated Code- Sec. 15-1204 (special note)(b); Sec. 15-1205; Sec. 15-1208(C); Sec. 15- 1201(e))
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910)
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Purpose and Definitions
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Minimum Standards and Provisions
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Eligibility
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Disclosure and Marketing
    • 1.4 Plan requirements > Maryland Health Benefit Exchange
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > SHOP vs. Individual Exchange
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > Open Enrollment/Special Enrollment
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > Employer Choice Options in SHOP Exchange
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > Mandated Referrals
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105)
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Standards for marketing
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Advertising
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Consumer guide
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Outline of coverage
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Suitability including personal worksheet
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Right to return (free look)
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Replacement
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Renewal considerations
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Continuation of benefits
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Required disclosure provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Incontestability
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Inflation protection
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Unintentional lapse
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Pre-existing conditions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Nonforfeiture benefit
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Benefit triggers
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Long-Term Care (LTC)Insurance
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Long-Term Care (LTC)Insurance > Deductibility of Premiums for LTC Insurance for State Income Tax Purposes
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Standards for marketing
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Advertising
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Appropriateness of recommended purchase and excessive insurance
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Buyer's guide
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Outline of coverage
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Right to return (free look)
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Replacement
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Prohibited policy provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Minimum benefit standards
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Required disclosure provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Pre-existing conditions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Permitted compensation
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Guaranteed issue for eligible persons
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Continuation and conversion requirements
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Medicare SELECT
  • 2.0 General Insurance 9% (7 items)
    • 2.1 Concepts
    • 2.1 Concepts > Risk management key terms
    • 2.1 Concepts > Risk management key terms > Risk
    • 2.1 Concepts > Risk management key terms > Exposure
    • 2.1 Concepts > Risk management key terms > Hazard
    • 2.1 Concepts > Risk management key terms > Peril
    • 2.1 Concepts > Risk management key terms > Loss
    • 2.1 Concepts > Methods of handling risk
    • 2.1 Concepts > Methods of handling risk > Avoidance
    • 2.1 Concepts > Methods of handling risk > Retention
    • 2.1 Concepts > Methods of handling risk > Sharing
    • 2.1 Concepts > Methods of handling risk > Reduction
    • 2.1 Concepts > Methods of handling risk > Transfer
    • 2.1 Concepts > Elements of insurable risks
    • 2.1 Concepts > Adverse selection
    • 2.1 Concepts > Law of large numbers
    • 2.1 Concepts > Reinsurance
    • 2.2 Insurers
    • 2.2 Insurers > Types of insurers
    • 2.2 Insurers > Types of insurers > Stock companies
    • 2.2 Insurers > Types of insurers > Mutual companies
    • 2.2 Insurers > Types of insurers > Fraternal benefit societies
    • 2.2 Insurers > Types of insurers > Self insurers
    • 2.2 Insurers > Private versus government insurers
    • 2.2 Insurers > Admitted versus nonadmitted insurers
    • 2.2 Insurers > Domestic, foreign and alien insurers
    • 2.2 Insurers > Financial status (independent rating services) and operating results
    • 2.2 Insurers > Marketing (distribution) systems
    • 2.3 Producer and general rules of agency
    • 2.3 Producer and general rules of agency > Types
    • 2.3 Producer and general rules of agency > Types > Captive
    • 2.3 Producer and general rules of agency > Types > Independent
    • 2.3 Producer and general rules of agency > Insurer as principal
    • 2.3 Producer and general rules of agency > Producer of insurer
    • 2.3 Producer and general rules of agency > Authority and powers of producers
    • 2.3 Producer and general rules of agency > Authority and powers of producers > Express
    • 2.3 Producer and general rules of agency > Authority and powers of producers > Implied
    • 2.3 Producer and general rules of agency > Authority and powers of producers > Apparent
    • 2.3 Producer and general rules of agency > Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts > Elements of a legal contract
    • 2.4 Contracts > Elements of a legal contract > Offer and acceptance
    • 2.4 Contracts > Elements of a legal contract > Consideration
    • 2.4 Contracts > Elements of a legal contract > Competent parties
    • 2.4 Contracts > Elements of a legal contract > Legal purpose
    • 2.4 Contracts > Distinct characteristics of an insurance contract
    • 2.4 Contracts > Distinct characteristics of an insurance contract > Contract of adhesion
    • 2.4 Contracts > Distinct characteristics of an insurance contract > Aleatory contract
    • 2.4 Contracts > Distinct characteristics of an insurance contract > Personal contract
    • 2.4 Contracts > Distinct characteristics of an insurance contract > Unilateral contract
    • 2.4 Contracts > Distinct characteristics of an insurance contract > Conditional contract
    • 2.4 Contracts > Legal interpretations affecting contracts
    • 2.4 Contracts > Legal interpretations affecting contracts > Ambiguities in a contract of adhesion
    • 2.4 Contracts > Legal interpretations affecting contracts > Reasonable expectations
    • 2.4 Contracts > Legal interpretations affecting contracts > Indemnity
    • 2.4 Contracts > Legal interpretations affecting contracts > Utmost good faith
    • 2.4 Contracts > Legal interpretations affecting contracts > Representations/misrepresentations
    • 2.4 Contracts > Legal interpretations affecting contracts > Warranties
    • 2.4 Contracts > Legal interpretations affecting contracts > Concealment
    • 2.4 Contracts > Legal interpretations affecting contracts > Fraud
    • 2.4 Contracts > Legal interpretations affecting contracts > Waiver and estoppel
    • 2.5 Federal regulation
    • 2.5 Federal regulation > Fair Credit Reporting Act (15 USC 1681–1681d)
    • 2.5 Federal regulation > Fraud and false statements (18 USC 1033, 1034)
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA)
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Applicability
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Fiduciary responsibilities
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Reporting and disclosure
    • 2.5 Federal regulation > COBRA
    • 2.5 Federal regulation > Continuation
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Definitions
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Definitions > Individual health insurance coverage
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Dependent coverage
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Lifetime and annual limits
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Restrictions relating to premium rates
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Essential health benefits
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Waiting periods
    • 2.6 Industry regulation
    • 2.6 Industry regulation > National Association of Insurance Commissioners (NAIC)
  • 3.0 Health Insurance Basics 11% (9 items)
    • 3.1 Definitions of perils
    • 3.1 Definitions of perils > Accidental injury
    • 3.1 Definitions of perils > Sickness
    • 3.2 Principal types of losses and benefits
    • 3.2 Principal types of losses and benefits > Loss of income from disability
    • 3.2 Principal types of losses and benefits > Medical expense
    • 3.2 Principal types of losses and benefits > Dental expense
    • 3.2 Principal types of losses and benefits > Long-term care expense
    • 3.2 Principal types of losses and benefits > Vision
    • 3.2 Principal types of losses and benefits > Prescription
    • 3.2 Principal types of losses and benefits > AD&D (Accidental Death and Dismemberment)
    • 3.2 Principal types of losses and benefits > Specified Disease
    • 3.3 Classes of health insurance policies
    • 3.3 Classes of health insurance policies > Individual versus group
    • 3.3 Classes of health insurance policies > Private versus government
    • 3.3 Classes of health insurance policies > Limited versus comprehensive
    • 3.4 Limited policies
    • 3.4 Limited policies > Limited perils and amounts
    • 3.4 Limited policies > Required notice to insured
    • 3.4 Limited policies > Types of limited policies
    • 3.4 Limited policies > Types of limited policies > Accident-only
    • 3.4 Limited policies > Types of limited policies > Specified (dread) disease
    • 3.4 Limited policies > Types of limited policies > Hospital indemnity (income)
    • 3.4 Limited policies > Types of limited policies > Credit disability
    • 3.4 Limited policies > Types of limited policies > Blanket insurance (teams, passengers, other)
    • 3.4 Limited policies > Types of limited policies > Prescription drugs
    • 3.4 Limited policies > Types of limited policies > Vision care
    • 3.4 Limited policies > Types of limited policies > Critical illness (specified conditions)
    • 3.4 Limited policies > Types of limited policies > Short-term medical
    • 3.5 Common exclusions from coverage
    • 3.5 Common exclusions from coverage > Pre-existing conditions
    • 3.5 Common exclusions from coverage > Intentionally self-inflicted injuries
    • 3.5 Common exclusions from coverage > War or act of war
    • 3.5 Common exclusions from coverage > Elective cosmetic surgery
    • 3.5 Common exclusions from coverage > Conditions covered by workers compensation
    • 3.5 Common exclusions from coverage > Government plans
    • 3.5 Common exclusions from coverage > Participation in a felony or illegal occupation
    • 3.6 Producer responsibilities in individual health insurance
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Advertising
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Prohibited Advertising of Life and Health Insurance
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Maryland Life and Health Insurance Guaranty Corporation
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Sales presentations
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting > Nature and purpose
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting > Application procedures
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting > Requirements at delivery of policy
    • 3.6 Producer responsibilities in individual health insurance > Errors and Omissions
    • 3.6 Producer responsibilities in individual health insurance > Notification of Medicare eligibility
    • 3.7 Individual underwriting by the insurer
    • 3.7 Individual underwriting by the insurer > Underwriting Criteria
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Application
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Producer report
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Attending physician statement
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Investigative consumer (inspection) report
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Medical Information Bureau (MIB)
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Medical examinations and lab tests (including HIV consent)
    • 3.7 Individual underwriting by the insurer > Unfair discrimination
    • 3.7 Individual underwriting by the insurer > Discrimination against victims of domestic violence
    • 3.7 Individual underwriting by the insurer > Genetic information privacy
    • 3.7 Individual underwriting by the insurer > Classification of risks
    • 3.7 Individual underwriting by the insurer > Classification of risks > Preferred
    • 3.7 Individual underwriting by the insurer > Classification of risks > Standard
    • 3.7 Individual underwriting by the insurer > Classification of risks > Substandard
    • 3.7 Individual underwriting by the insurer > Classification of risks > Declined
    • 3.8 Considerations in replacing health insurance
    • 3.8 Considerations in replacing health insurance > Pre-existing conditions
    • 3.8 Considerations in replacing health insurance > Pre-existing condition exclusion
    • 3.8 Considerations in replacing health insurance > Benefits, limitations and exclusions
    • 3.8 Considerations in replacing health insurance > Underwriting requirements
  • 4.0 Individual Health Insurance Policy General Provisions 8% (6 items)
    • 4.1 Uniform required provisions
    • 4.1 Uniform required provisions > Entire contract; changes
    • 4.1 Uniform required provisions > Time limit on certain defenses
    • 4.1 Uniform required provisions > Grace period
    • 4.1 Uniform required provisions > Reinstatement
    • 4.1 Uniform required provisions > Notice of claim
    • 4.1 Uniform required provisions > Claim forms
    • 4.1 Uniform required provisions > Proofs of loss
    • 4.1 Uniform required provisions > Time of payment of claims
    • 4.1 Uniform required provisions > Payment of claims
    • 4.1 Uniform required provisions > Physical examinations and autopsy
    • 4.1 Uniform required provisions > Legal actions
    • 4.1 Uniform required provisions > Change of beneficiary
    • 4.1 Uniform required provisions > Cancellation by insured
    • 4.2 Uniform optional provisions
    • 4.2 Uniform optional provisions > Change of occupation
    • 4.2 Uniform optional provisions > Misstatement of age
    • 4.2 Uniform optional provisions > Other insurance in this company
    • 4.2 Uniform optional provisions > Insurance with other companies
    • 4.2 Uniform optional provisions > Insurance with other companies > Expense-incurred basis
    • 4.2 Uniform optional provisions > Insurance with other companies > Other benefits
    • 4.2 Uniform optional provisions > Relation of Earnings to Insurance
    • 4.2 Uniform optional provisions > Unpaid premium
    • 4.2 Uniform optional provisions > Cancellation by company
    • 4.2 Uniform optional provisions > Conformity with state statutes
    • 4.2 Uniform optional provisions > Illegal occupation
    • 4.2 Uniform optional provisions > Intoxicants and narcotics
    • 4.3 Other general provisions
    • 4.3 Other general provisions > Right to examine (free look)
    • 4.3 Other general provisions > Insuring clause
    • 4.3 Other general provisions > Consideration clause
    • 4.3 Other general provisions > Renewability clause
    • 4.3 Other general provisions > Renewability clause > Noncancelable
    • 4.3 Other general provisions > Renewability clause > Guaranteed renewable
    • 4.3 Other general provisions > Renewability clause > Conditionally renewable
    • 4.3 Other general provisions > Renewability clause > Renewable at option of insurer
    • 4.3 Other general provisions > Renewability clause > Nonrenewable (cancelable, term)
    • 4.3 Other general provisions > Interest on claim proceeds
    • 4.3 Other general provisions > Military suspension provision
  • 5.0 Disability Income and Related Insurance 9% (7 items)
    • 5.1 Qualifying for disability benefits
    • 5.1 Qualifying for disability benefits > Inability to perform duties
    • 5.1 Qualifying for disability benefits > Inability to perform duties > Own occupation
    • 5.1 Qualifying for disability benefits > Inability to perform duties > Any occupation
    • 5.1 Qualifying for disability benefits > Pure loss of income (income replacement contracts)
    • 5.1 Qualifying for disability benefits > Presumptive disability
    • 5.1 Qualifying for disability benefits > Requirement to be under physician care
    • 5.2 Individual disability income insurance
    • 5.2 Individual disability income insurance > Basic total disability plan
    • 5.2 Individual disability income insurance > Basic total disability plan > Income benefits (monthly indemnity)
    • 5.2 Individual disability income insurance > Basic total disability plan > Elimination and benefit periods
    • 5.2 Individual disability income insurance > Basic total disability plan > Waiver of premium benefit
    • 5.2 Individual disability income insurance > Partial Disability Insurance
    • 5.2 Individual disability income insurance > Partial Disability Insurance > Income Benefits (Monthly Indemnities)
    • 5.2 Individual disability income insurance > Partial Disability Insurance > Elimination and Benefit Periods
    • 5.2 Individual disability income insurance > Partial Disability Insurance > Waiver of Premium Benefit
    • 5.2 Individual disability income insurance > Coordination with Social Insurance
    • 5.2 Individual disability income insurance > Coordination with Social Insurance > Additional monthly benefit (AMB)
    • 5.2 Individual disability income insurance > Coordination with Social Insurance > Social insurance supplement (SIS)
    • 5.2 Individual disability income insurance > Coordination with Social Insurance > Occupational versus nonoccupational coverage
    • 5.2 Individual disability income insurance > At-work benefits
    • 5.2 Individual disability income insurance > At-work benefits > Partial disability benefit
    • 5.2 Individual disability income insurance > At-work benefits > Residual disability benefit
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Cost of living adjustment (COLA) rider
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Future increase option (FIO) rider
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Annual renewable term rider
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Relation of earnings to insurance
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Change of occupation
    • 5.2 Individual disability income insurance > Other cash benefits
    • 5.2 Individual disability income insurance > Other cash benefits > Accidental death and dismemberment
    • 5.2 Individual disability income insurance > Other cash benefits > Rehabilitation benefit
    • 5.2 Individual disability income insurance > Other cash benefits > Medical reimbursement benefit (nondisabling injury)
    • 5.2 Individual disability income insurance > Refund provisions
    • 5.2 Individual disability income insurance > Refund provisions > Return of premium
    • 5.2 Individual disability income insurance > Refund provisions > Cash value benefit
    • 5.2 Individual disability income insurance > Exclusions
    • 5.2 Individual disability income insurance > Waiver of Premium
    • 5.3 Unique aspects of individual disability underwriting
    • 5.3 Unique aspects of individual disability underwriting > Occupational considerations
    • 5.3 Unique aspects of individual disability underwriting > Benefit limits
    • 5.3 Unique aspects of individual disability underwriting > Policy issuance alternatives
    • 5.4 Group disability income insurance
    • 5.4 Group disability income insurance > Group versus individual plans
    • 5.4 Group disability income insurance > Short-term disability (STD)
    • 5.4 Group disability income insurance > Long-term disability (LTD)
    • 5.5 Business disability insurance
    • 5.5 Business disability insurance > Key employee (partner) disability income
    • 5.5 Business disability insurance > Business overhead expense policy
    • 5.5 Business disability insurance > Business Disability buyout policy
    • 5.6 Social Security disability
    • 5.6 Social Security disability > Qualification for disability benefits
    • 5.6 Social Security disability > Definition of disability
    • 5.6 Social Security disability > Waiting period
    • 5.6 Social Security disability > Disability income benefits
    • 5.7 Workers compensation
    • 5.7 Workers compensation > Eligibility
    • 5.7 Workers compensation > Benefits
  • 6.0 Medical Plans 14% (11 items)
    • 6.1 Medical plan concepts
    • 6.1 Medical plan concepts > Fee-for-service basis versus prepaid basis
    • 6.1 Medical plan concepts > Prepaid Basis
    • 6.1 Medical plan concepts > Specified coverages versus comprehensive care
    • 6.1 Medical plan concepts > Comprehensive Care
    • 6.1 Medical plan concepts > Benefit schedule versus usual/reasonable/customary charges
    • 6.1 Medical plan concepts > Usual - Reasonable - Customary Charges
    • 6.1 Medical plan concepts > Any provider versus limited choice of providers
    • 6.1 Medical plan concepts > Limited Choice of Providers
    • 6.1 Medical plan concepts > Insureds versus subscribers/participants
    • 6.2 Types of providers and plans
    • 6.2 Types of providers and plans > Insurers
    • 6.2 Types of providers and plans > Nonprofits Health Service Plans
    • 6.2 Types of providers and plans > Major medical insurance (insurers)
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Characteristics
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Common limitations
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Common exclusions from coverage
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Deductibles
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Coinsurance feature
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Stop-loss feature
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Maximum benefits
    • 6.2 Types of providers and plans > Fixed Indemnity
    • 6.2 Types of providers and plans > Health services plans
    • 6.2 Types of providers and plans > Health services plans > Definitions
    • 6.2 Types of providers and plans > Health services plans > Plans offered
    • 6.2 Types of providers and plans > Health services plans > Other services
    • 6.2 Types of providers and plans > Health services plans > Qualified providers
    • 6.2 Types of providers and plans > Health services plans > Choice of provider or pharmacy
    • 6.2 Types of providers and plans > Health services plans > Provider panels
    • 6.2 Types of providers and plans > Health services plans > Disclosure of benefits
    • 6.2 Types of providers and plans > Health services plans > Subscribers
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs)
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Combined health care delivery and financing
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Limited service area/out of area benefits
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Limited choice of providers
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Gatekeeper concept
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Copayments
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Prepaid basis
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Preventive care services
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Primary care physician versus referral (specialty) physician
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Emergency care
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Hospital services
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Other basic services
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Subscribers
    • 6.2 Types of providers and plans > Preferred provider organizations (PPOs)
    • 6.2 Types of providers and plans > Preferred provider organizations (PPOs) > General characteristics
    • 6.2 Types of providers and plans > Preferred provider organizations (PPOs) > Open panel or closed panel
    • 6.2 Types of providers and plans > Point-of-service (POS) plans
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > Nature and purpose
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > Out-of-network provider access (open-ended HMO)
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > PCP referral
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > Indemnity plan features
    • 6.2 Types of providers and plans > TRI-CARE
    • 6.3 Cost containment in health care delivery
    • 6.3 Cost containment in health care delivery > Cost-saving services
    • 6.3 Cost containment in health care delivery > Cost-saving services > Preventive care
    • 6.3 Cost containment in health care delivery > Cost-saving services > Outpatient ambulatory services
    • 6.3 Cost containment in health care delivery > Cost-saving services > Alternatives to hospital services
    • 6.3 Cost containment in health care delivery > Utilization management
    • 6.3 Cost containment in health care delivery > Utilization management > Prospective review
    • 6.3 Cost containment in health care delivery > Utilization management > Concurrent review
    • 6.3 Cost containment in health care delivery > Coordination of Benefits
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Eligibility
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Guaranteed issue
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Pre-existing conditions
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Creditable coverage
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Renewability
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs)
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Definition
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Eligibility
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Contribution limits
    • 6.6 Patient Protection and Affordable Care Act
    • 6.6 Patient Protection and Affordable Care Act > Coverage of Children to Age 26
    • 6.6 Patient Protection and Affordable Care Act > Preventative Care
    • 6.6 Patient Protection and Affordable Care Act > Pre-existing Conditions
    • 6.6 Patient Protection and Affordable Care Act > Lifetime and Annual Limits
    • 6.6 Patient Protection and Affordable Care Act > Grandfathered vs. Non-Grandfathered Plans
    • 6.6 Patient Protection and Affordable Care Act > Rescissions
    • 6.6 Patient Protection and Affordable Care Act > Essential Health Benefits
    • 6.6 Patient Protection and Affordable Care Act > Metal Levels
    • 6.6 Patient Protection and Affordable Care Act > SHOP Payment and Billing
    • 6.6 Patient Protection and Affordable Care Act > Internal Appeal and External Review
    • 6.6 Patient Protection and Affordable Care Act > Subsidies/Tax Credits
    • 6.6 Patient Protection and Affordable Care Act > Penalties and Fines
  • 7.0 Group Health Insurance 5% (4 items)
    • 7.1 Characteristics of group insurance
    • 7.1 Characteristics of group insurance > Group contract
    • 7.1 Characteristics of group insurance > Certificate of coverage
    • 7.1 Characteristics of group insurance > Experience rating versus community rating
    • 7.1 Characteristics of group insurance > Community Rating
    • 7.2 Defined groups
    • 7.2 Defined groups > Employer
    • 7.2 Defined groups > Creditor
    • 7.2 Defined groups > Labor union
    • 7.2 Defined groups > Multiple Employer Trust
    • 7.2 Defined groups > Association
    • 7.2 Defined groups > Credit union
    • 7.3 Marketing considerations
    • 7.3 Marketing considerations > Advertising
    • 7.3 Marketing considerations > Regulatory jurisdiction/place of delivery
    • 7.4 Employer group health insurance
    • 7.4 Employer group health insurance > Insurer underwriting criteria
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Characteristics of the group
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Plan design factors
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Persistency factors
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Administrative capability
    • 7.4 Employer group health insurance > Eligibility for insurance
    • 7.4 Employer group health insurance > Eligibility for insurance > Annual open enrollment
    • 7.4 Employer group health insurance > Eligibility for insurance > Employee eligibility
    • 7.4 Employer group health insurance > Eligibility for insurance > Dependent eligibility
    • 7.4 Employer group health insurance > Coordination of benefits provision
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Coinsurance and deductible carryover
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > No-loss no-gain
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Events that terminate coverage
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Reinstatement of Coverage for Military Personnel
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Notification of Medicare Eligibility
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Reinstatement of coverage for military personnel
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Notification of Medicare eligibility
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Extension of benefits
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Continuation of coverage under COBRA and Maryland specific rules
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Conversion privilege
    • 7.4 Employer group health insurance > Continuation of Coverage
    • 7.4 Employer group health insurance > Special Enrollment Periods
    • 7.4 Employer group health insurance > Minimizing Adverse Selection
    • 7.5 Small employer medical plans
    • 7.5 Small employer medical plans > Definition of small employer
    • 7.5 Small employer medical plans > Availability of coverage
    • 7.5 Small employer medical plans > Disclosure of coverage provisions
    • 7.5 Small employer medical plans > Enrollment eligibility
    • 7.5 Small employer medical plans > Renewability
  • 8.0 Dental Insurance 1% (1 item)
    • 8.1 Types of dental treatment
    • 8.1 Types of dental treatment > Diagnostic and preventive
    • 8.1 Types of dental treatment > Restorative
    • 8.1 Types of dental treatment > Oral surgery
    • 8.1 Types of dental treatment > Endodontics
    • 8.1 Types of dental treatment > Periodontics
    • 8.1 Types of dental treatment > Prosthodontics
    • 8.1 Types of dental treatment > Orthodontics
    • 8.2 Indemnity plans
    • 8.2 Indemnity plans > Choice of providers
    • 8.2 Indemnity plans > Scheduled versus nonscheduled plans
    • 8.2 Indemnity plans > Benefit categories
    • 8.2 Indemnity plans > Benefit categories > Diagnostic/preventive services
    • 8.2 Indemnity plans > Benefit categories > Basic services
    • 8.2 Indemnity plans > Benefit categories > Major services
    • 8.2 Indemnity plans > Deductibles and coinsurance
    • 8.2 Indemnity plans > Combination plans
    • 8.2 Indemnity plans > Exclusions
    • 8.2 Indemnity plans > Limitations
    • 8.2 Indemnity plans > Predetermination of benefits
    • 8.3 Employer group dental expense
    • 8.3 Employer group dental expense > Integrated deductibles versus stand-alone plans
    • 8.3 Employer group dental expense > Minimizing adverse selection
  • 9.0 Insurance for Senior Citizens and Special Needs Individuals 9% (7 items)
    • 9.1 Medicare
    • 9.1 Medicare > Nature, financing and administration
    • 9.1 Medicare > Part A — Hospital Insurance
    • 9.1 Medicare > Part A — Hospital Insurance > Individual eligibility requirements
    • 9.1 Medicare > Part A — Hospital Insurance > Enrollment
    • 9.1 Medicare > Part A — Hospital Insurance > Coverages and cost-sharing amounts
    • 9.1 Medicare > Part B — Medical Insurance
    • 9.1 Medicare > Part B — Medical Insurance > Individual eligibility requirements
    • 9.1 Medicare > Part B — Medical Insurance > Enrollment
    • 9.1 Medicare > Part B — Medical Insurance > Coverages and cost-sharing amounts
    • 9.1 Medicare > Part B — Medical Insurance > Exclusions
    • 9.1 Medicare > Part B — Medical Insurance > Claims terminology and other key terms
    • 9.1 Medicare > Part C — Medicare Advantage
    • 9.1 Medicare > Part D — Prescription Drug Insurance
    • 9.2 Medicare supplement insurance
    • 9.2 Medicare supplement insurance > Purpose
    • 9.2 Medicare supplement insurance > Open enrollment
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans > Attained age
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans > Issue age
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans > Community rated
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans > Core benefits
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans > Additional benefits
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans > High deductible plans
    • 9.3 Other options for individuals with Medicare
    • 9.3 Other options for individuals with Medicare > Employer group health plans
    • 9.3 Other options for individuals with Medicare > Employer group health plans > Disabled employees
    • 9.3 Other options for individuals with Medicare > Employer group health plans > Employees with kidney failure
    • 9.3 Other options for individuals with Medicare > Employer group health plans > Individuals age 65 and older
    • 9.3 Other options for individuals with Medicare > Medicaid
    • 9.3 Other options for individuals with Medicare > Medicaid > Eligibility
    • 9.3 Other options for individuals with Medicare > Medicaid > Benefits
    • 9.4 Long-term care (LTC) policies
    • 9.4 Long-term care (LTC) policies > LTC, Medicare and Medicaid compared
    • 9.4 Long-term care (LTC) policies > Eligibility for benefits
    • 9.4 Long-term care (LTC) policies > Levels of care
    • 9.4 Long-term care (LTC) policies > Levels of care > Skilled care
    • 9.4 Long-term care (LTC) policies > Levels of care > Intermediate care
    • 9.4 Long-term care (LTC) policies > Levels of care > Custodial care
    • 9.4 Long-term care (LTC) policies > Levels of care > Home health care
    • 9.4 Long-term care (LTC) policies > Levels of care > Adult day care
    • 9.4 Long-term care (LTC) policies > Levels of care > Respite care
    • 9.4 Long-term care (LTC) policies > Benefit periods
    • 9.4 Long-term care (LTC) policies > Benefit amounts
    • 9.4 Long-term care (LTC) policies > Optional benefits
    • 9.4 Long-term care (LTC) policies > Optional benefits > Inflation Protection
    • 9.4 Long-term care (LTC) policies > Optional benefits > Nonforfeiture
    • 9.4 Long-term care (LTC) policies > Optional benefits > Guarantee of insurability
    • 9.4 Long-term care (LTC) policies > Optional benefits > Return of premium
    • 9.4 Long-term care (LTC) policies > Qualified and Nonqualified
    • 9.4 Long-term care (LTC) policies > Exclusions
    • 9.4 Long-term care (LTC) policies > Underwriting Considerations
    • 9.4 Long-term care (LTC) policies > Partnership
    • 9.4 Long-term care (LTC) policies > Qualified LTC plans
    • 9.4 Long-term care (LTC) policies > Deductibility of premiums for LTC insurance for state income tax purposes
    • 9.4 Long-term care (LTC) policies > Exclusions
    • 9.4 Long-term care (LTC) policies > Underwriting considerations
    • 9.5 Interaction with Other Coverage
    • 9.5 Interaction with Other Coverage > Medicare
    • 9.5 Interaction with Other Coverage > Medicaid
    • 9.5 Interaction with Other Coverage > Medical Insurance
  • 10.0 Federal Tax Considerations for Health Insurance 5% (4 items)
    • 10.1 Personally-owned health insurance
    • 10.1 Personally-owned health insurance > Disability income insurance
    • 10.1 Personally-owned health insurance > Medical expense insurance
    • 10.1 Personally-owned health insurance > Long-term care insurance
    • 10.2 Employer group health insurance
    • 10.2 Employer group health insurance > Disability income (STD, LTD)
    • 10.2 Employer group health insurance > Medical and dental expense
    • 10.2 Employer group health insurance > Long-term care insurance
    • 10.2 Employer group health insurance > Accidental death and dismemberment
    • 10.3 Medical expense coverage for sole proprietors and partners
    • 10.4 Business disability insurance
    • 10.4 Business disability insurance > Key person disability income
    • 10.4 Business disability insurance > Business overhead expense
    • 10.4 Business disability insurance > Business Disability Buyout
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs)
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Health Savings Accounts
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Health Reimbursement Accounts
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Flexible Spending Accounts
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > High Deductible Health Plans
Examination sources