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Free IN Health Laws & Regulations Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the IN Health Laws & Regulations practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1Which Indiana official has authority to appoint the state's Insurance Commissioner?

    1. A. The Governor
    2. B. The Attorney General
    3. C. The General Assembly
    4. D. The Secretary of State

    Answer: A

    Explanation: Indiana law places appointment of the Insurance Commissioner with the Governor. The controlling source states: "appointed by the governor".

    Reference: Creator: PrintServer210 — IC 27-1-1-2(a)

  2. 2What grace period applies to an Indiana individual health policy with premiums payable monthly?

    1. A. 7 days
    2. B. 21 days
    3. C. 31 days
    4. D. 10 days

    Answer: D

    Explanation: Indiana's mandatory individual-policy provision gives ten days of grace for monthly premium policies. The controlling source states: "10" for monthly premium policies".

    Reference: Creator: PrintServer210 — IC 27-8-5-3(A)(3)

  3. 3For how long does Indiana's Insurance Commissioner serve?

    1. A. A fixed four-year term
    2. B. At the Governor's pleasure
    3. C. Until age seventy
    4. D. A fixed six-year term

    Answer: B

    Explanation: The commissioner serves at the pleasure of the Governor rather than for a fixed statutory term. The controlling source states: "at the pleasure of the governor".

    Reference: Creator: PrintServer210 — IC 27-1-1-2(a)

  4. 4After an individual health-policy reinstatement application and tendered premium, when is reinstatement automatically effective if the insurer neither approves nor disapproves?

    1. A. On the 45th day
    2. B. On the 30th day
    3. C. On the 60th day
    4. D. On the 90th day

    Answer: A

    Explanation: Indiana's required reinstatement provision makes coverage effective on the forty-fifth day if the insurer has not acted earlier. The controlling source states: "upon the forty-fifth day".

    Reference: Creator: PrintServer210 — IC 27-8-5-3(A)(4)

  5. 5Indiana law authorizes the Insurance Commissioner to attend meetings of which insurance-regulatory body?

    1. A. A national convention of insurance producers
    2. B. A federal insurance licensing board
    3. C. The national convention of insurance commissioners
    4. D. An interstate banking commission

    Answer: C

    Explanation: Indiana authorizes attendance and participation in the interstate insurance-regulator body. The controlling text says: "the national convention of insurance commissioners".

    Reference: Creator: PrintServer210 — IC 27-1-1-2(b)

  6. 6What premium grace period must an Indiana group accident and sickness policy generally contain?

    1. A. 10 days
    2. B. 31 days
    3. C. 20 days
    4. D. 45 days

    Answer: B

    Explanation: Indiana requires a thirty-one-day grace period for group policy premium payment, subject to the statutory terms. The controlling source states: "grace period of thirty-one (31) days".

    Reference: Creator: PrintServer210 — IC 27-8-5-19

  7. 7Who pays authorized expenses for Indiana officials attending the national insurance commissioners' convention?

    1. A. The examined insurer
    2. B. The national convention
    3. C. The county treasurer
    4. D. The Treasurer of State

    Answer: D

    Explanation: The commissioner must examine and approve the charges before state payment. The controlling text says the expenses "shall be paid by the treasurer of state".

    Reference: Creator: PrintServer210 — IC 27-1-1-2(b)

  8. 8After how long may an Indiana group health policy generally become incontestable as to the policy's validity?

    1. A. 1 year
    2. B. 3 years
    3. C. 2 years
    4. D. 5 years

    Answer: C

    Explanation: The required group-policy provision limits contest of policy validity after two years, except as the statute permits. The controlling source states: "two (2) years".

    Reference: Creator: PrintServer210 — IC 27-8-5-19

  9. 9Which action is within the Indiana Insurance Commissioner's rulemaking power?

    1. A. Setting methods and standards for departmental examinations
    2. B. Creating federal income-tax rates
    3. C. Issuing medical licenses
    4. D. Chartering national banks

    Answer: A

    Explanation: Indiana law authorizes rules concerning methods and standards to be used in making the examinations conducted by the department. The controlling source states: "methods and standards to be used in making the examinations".

    Reference: Creator: PrintServer210 — IC 27-1-3-7

  10. 10For an Indiana insured age 40 or older, how frequently must a covered mammogram generally be available under the mandate?

    1. A. Every two years
    2. B. Every three years
    3. C. Only once
    4. D. Annually

    Answer: D

    Explanation: Indiana's mammography mandate provides an annual mammogram for a covered person age forty or older. The controlling source states: "one (1) breast cancer screening mammography performed upon the insured every year".

    Reference: Creator: PrintServer210 — IC 27-8-14-6

Topics in this practice bank

These topics describe the available practice for IN Health Laws & Regulations. Review the examination outline and its sources for scope and allocation details.

  • I. INDIANA LAWS AND DEPARTMENT RULES COMMON TO ALL LINES OF INSURANCE (20 questions)
    • A. Department of Insurance
    • A. Department of Insurance / 1. Insurance Commissioner
    • A. Department of Insurance / 1. Insurance Commissioner / a. Appointment by Governor
    • A. Department of Insurance / 1. Insurance Commissioner / b. Member of National Association of Insurance Commissioners (NAIC)
    • A. Department of Insurance / 1. Insurance Commissioner / c. Powers
    • A. Department of Insurance / 1. Insurance Commissioner / d. Duties
    • A. Department of Insurance / 2. Admission of Insurance Companies
    • A. Department of Insurance / 2. Admission of Insurance Companies / a. Certificate of Authority
    • A. Department of Insurance / 2. Admission of Insurance Companies / b. Admitted versus non-admitted companies
    • A. Department of Insurance / 2. Admission of Insurance Companies / c. Domestic, foreign, and alien companies
    • A. Department of Insurance / 3. Examination of Admitted Insurance Companies
    • A. Department of Insurance / 3. Examination of Admitted Insurance Companies / a. Fiscal examinations
    • A. Department of Insurance / 3. Examination of Admitted Insurance Companies / b. Waiving examinations of foreign and alien companies
    • A. Department of Insurance / 4. Insurance Guaranty Associations
    • A. Department of Insurance / 4. Insurance Guaranty Associations / a. Purpose
    • A. Department of Insurance / 4. Insurance Guaranty Associations / b. Policy benefits that are guaranteed
    • B. Producer Licensing Laws
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / a. Resident producer
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / b. Nonresident producer
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / c. Temporary producer
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / d. Consultant
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / e. Business entity
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / f. Limited Lines
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / f. Limited Lines / i. Travel
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / f. Limited Lines / ii. Title
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / f. Limited Lines / iii. Credit
    • B. Producer Licensing Laws / 1. Types of Insurance Licenses, Eligibility Requirements & Powers and Duties / f. Limited Lines / iv. Prearranged funeral insurance
    • B. Producer Licensing Laws / 2. Who must be licensed
    • B. Producer Licensing Laws / 2. Who must be licensed / a. Solicit, negotiate or sell contracts of insurance
    • B. Producer Licensing Laws / 3. Producer qualifications and the licensing process
    • B. Producer Licensing Laws / 3. Producer qualifications and the licensing process / a. Pre-licensing education, state exam, license application
    • B. Producer Licensing Laws / 3. Producer qualifications and the licensing process / b. Denial of license application
    • B. Producer Licensing Laws / 3. Producer qualifications and the licensing process / b. Denial of license application / i. Appeals process/Notice of hearing
    • B. Producer Licensing Laws / 4. Insurance Company: Producer appointments and termination
    • B. Producer Licensing Laws / 5. Limitations of a Producer
    • B. Producer Licensing Laws / 5. Limitations of a Producer / a. Controlled business
    • B. Producer Licensing Laws / 5. Limitations of a Producer / b. Acting as a Consultant
    • B. Producer Licensing Laws / 5. Limitations of a Producer / c. Fees and commissions
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / a. Producer notification requirements
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / a. Producer notification requirements / i. Change of legal or assumed name
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / a. Producer notification requirements / ii. Change of contact information; business, email and/or residential address
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / a. Producer notification requirements / iii. Criminal or administrative action
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / b. License renewal/reinstatement process
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / c. Continuing Education (CE) requirements
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / d. Sircon license & CE tracking system
    • B. Producer Licensing Laws / 6. Producer’s License Maintenance / d. Sircon license & CE tracking system / i. Producer Responsibilities
    • C. Producer/Company Compliance
    • C. Producer/Company Compliance / 1. Producer Licensing Law & Violations
    • C. Producer/Company Compliance / 2. Unfair Competition Law & Violations
    • C. Producer/Company Compliance / 3. Definitions
    • C. Producer/Company Compliance / 3. Definitions / a. Twisting
    • C. Producer/Company Compliance / 3. Definitions / b. Rebating
    • C. Producer/Company Compliance / 3. Definitions / c. Sharing commissions with an unlicensed person
    • C. Producer/Company Compliance / 3. Definitions / d. Defamation
    • C. Producer/Company Compliance / 3. Definitions / e. False advertising
    • C. Producer/Company Compliance / 3. Definitions / f. Misrepresentation
    • C. Producer/Company Compliance / 3. Definitions / g. Boycott, coercion, and intimidation
    • C. Producer/Company Compliance / 3. Definitions / h. Unfair discrimination
    • C. Producer/Company Compliance / 4. Penalties/Disciplinary Actions
    • C. Producer/Company Compliance / 4. Penalties/Disciplinary Actions / a. Penalty for violating Licensing law
    • C. Producer/Company Compliance / 4. Penalties/Disciplinary Actions / b. Penalty for violating Unfair Competition Law
    • C. Producer/Company Compliance / 4. Penalties/Disciplinary Actions / c. Penalty for violating Cease and Desist Orders
    • C. Producer/Company Compliance / 4. Penalties/Disciplinary Actions / d. Criminal violations
    • D. Unfair Claims Settlement Practices
  • II. HEALTH REGULATIONS (10 questions)
    • A. Health Insurance Contracts
    • A. Health Insurance Contracts / 1. Standard Provisions in Medical Expense and Disability Income Policies
    • A. Health Insurance Contracts / 1. Standard Provisions in Medical Expense and Disability Income Policies / a. Individual Provisions
    • A. Health Insurance Contracts / 1. Standard Provisions in Medical Expense and Disability Income Policies / b. Group Provisions
    • A. Health Insurance Contracts / 2. Required Coverages
    • A. Health Insurance Contracts / 2. Required Coverages / a. Mammogram coverage
    • A. Health Insurance Contracts / 3. Underwriting Restrictions
    • A. Health Insurance Contracts / 3. Underwriting Restrictions / a. AIDS/HIV
    • A. Health Insurance Contracts / 3. Underwriting Restrictions / b. Genetic Testing
    • A. Health Insurance Contracts / 4. Rights of Dependent Children
    • A. Health Insurance Contracts / 4. Rights of Dependent Children / a. Newborns and adopted children
    • A. Health Insurance Contracts / 4. Rights of Dependent Children / b. Limiting age
    • A. Health Insurance Contracts / 4. Rights of Dependent Children / c. Handicapped children
    • A. Health Insurance Contracts / 5. Advertising
    • B. Specialized Coverage
    • B. Specialized Coverage / 1. Indiana Small Group Health
    • B. Specialized Coverage / 2. Group Coordination of Benefits
    • B. Specialized Coverage / 3. Children’s Health Insurance Program (CHIP)
    • C. Long Term Care
    • C. Long Term Care / 1. Provisions
    • C. Long Term Care / 1. Provisions / a. Free Look
    • C. Long Term Care / 1. Provisions / b. Length of coverage
    • C. Long Term Care / 1. Provisions / c. Pre-existing conditions, etc.
    • C. Long Term Care / 2. Standards for Marketing
    • C. Long Term Care / 3. Replacement
    • C. Long Term Care / 4. Producer’s Duties
    • C. Long Term Care / 5. Long Term Care Partnership Program (LTCP)
    • D. Medicare Supplement Policies
    • D. Medicare Supplement Policies / 1. Provisions
    • D. Medicare Supplement Policies / 1. Provisions / a. Free Look
    • D. Medicare Supplement Policies / 1. Provisions / b. Pre-existing conditions, etc.
    • D. Medicare Supplement Policies / 2. Standards for Marketing
    • D. Medicare Supplement Policies / 3. Replacement
    • D. Medicare Supplement Policies / 4. Producer’s Duties
    • E. Affordable Care Act (ACA)
    • E. Affordable Care Act (ACA) / 1. Marketplace (ACA Section 1101, 1321)
    • E. Affordable Care Act (ACA) / 1. Marketplace (ACA Section 1101, 1321) / a. Agent/broker training/Registration requirements
    • E. Affordable Care Act (ACA) / 1. Marketplace (ACA Section 1101, 1321) / b. Metal levels and catastrophic plans ACA Section (1302)
    • E. Affordable Care Act (ACA) / 2. Enrollment periods (ACA Section 1311)
    • E. Affordable Care Act (ACA) / 3. Essential health benefits (ACA Section 1302)
    • E. Affordable Care Act (ACA) / 3. Essential health benefits (ACA Section 1302) / a. Mental health and substance use disorder parity
    • E. Affordable Care Act (ACA) / 3. Essential health benefits (ACA Section 1302) / b. Pediatric services
    • E. Affordable Care Act (ACA) / 3. Essential health benefits (ACA Section 1302) / c. Preventive services

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