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Free Michigan Accident and Health Producer Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the Michigan Accident and Health Producer practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A Michigan producer wants to act as an insurer's agent. What must occur first?

    1. A. The producer must become an appointed agent of that insurer
    2. B. The producer must register as an insurance counselor
    3. C. The producer must obtain a separate adjuster license
    4. D. The producer must form a licensed business entity

    Answer: A

    Explanation: MCL 500.1208a(1) states: "An insurance producer shall not act as the agent of an insurer unless the insurance producer becomes an appointed agent of that insurer." The insurer appointment is therefore required before acting as its agent.

    Reference: Michigan Insurance Code Chapter 500 — MCL 500.1208a(1), page 231

  2. 2An insurer adds many independent, comparable exposures to an existing pool. What effect does the law of large numbers have on the insurer's aggregate claims estimate?

    1. A. Individual claim amounts become more predictable than the pool's total loss.
    2. B. The pool's total loss becomes more predictable despite uncertain individual claims.
    3. C. Aggregate losses become less predictable as independent exposures are added.
    4. D. Aggregate predictability remains unchanged because claims are independent.

    Answer: B

    Explanation: "there is greater certainty about the total losses that the pool will suffer." A larger pool of independent comparable exposures makes aggregate loss more predictable; it does not make individual claims more predictable or leave aggregate uncertainty unchanged.

    Reference: NAIC, A Regulator's Introduction to the Insurance Industry — Chapter 1, Important Insurance Concepts, p. 7

  3. 3Which policyholder-and-covered-group pairing qualifies for Michigan blanket disability insurance?

    1. A. A creditor covering the creditor's employees
    2. B. A common carrier covering its passengers
    3. C. A school covering its alumni
    4. D. A sports team covering event spectators

    Answer: B

    Explanation: MCL 500.3402d(1)(a) includes "a policy issued to a common carrier as the policyholder" that covers all individuals who are its passengers; the other listed policyholders cover different statutorily defined groups.

    Reference: Michigan Insurance Code Chapter 500 — MCL 500.3402d(1), pages 626-627

  4. 4Under Michigan's required entire-contract provision, which materials constitute the disability insurance contract?

    1. A. The policy, applicable riders and endorsements, specified application and identification card, and attached papers
    2. B. Only the declarations page and premium receipt
    3. C. The policy plus any later oral statement by the producer
    4. D. The insurer's underwriting manual and advertising file

    Answer: A

    Explanation: MCL 500.3407 specifies: "This policy, including the applicable riders and endorsements; the application for coverage if specified by the insurer; the identification card if specified by the insurer; and the attached papers, if any, constitutes the entire contract of insurance." Option A matches that list.

    Reference: Michigan Insurance Code Chapter 500 — MCL 500.3407, page 657

  5. 5A surgeon cannot perform surgical duties after an injury but can work in another qualified occupation. Which disability definition could still permit benefits based on that inability?

    1. A. Own-occupation disability
    2. B. Any-occupation disability
    3. C. Presumptive disability
    4. D. Residual disability

    Answer: A

    Explanation: "Some may pay benefits if you are unable to perform the duties of your occupation, while others may require that your disability keep you from any gainful employment for which you are qualified." The surgeon cannot perform their own occupation, so an own-occupation definition could pay. Any-occupation requires a different level of inability; presumptive and residual disability address other triggers.

    Reference: NAIC, Simplifying the Complications of Disability Insurance — Comparing Disability Policies, Definition of Disability

  6. 6To what age must a Michigan health policy that offers dependent coverage generally make that coverage available for a dependent child?

    1. A. Age 19
    2. B. Age 21
    3. C. Age 24
    4. D. Age 26

    Answer: D

    Explanation: MCL 500.3402(c) requires that dependent-child coverage be available "at least until the child turns 26 years of age for a health insurance policy." Therefore age 26 is correct.

    Reference: Michigan Insurance Code Chapter 500 — MCL 500.3402(c), page 623

  7. 7What must a Michigan group disability insurer provide to the policyholder for delivery to each insured person?

    1. A. A copy of the insurer's annual statement
    2. B. An individual certificate stating the insurance protection
    3. C. A producer appointment form
    4. D. A separate master policy for each employee

    Answer: B

    Explanation: MCL 500.3402a(c) requires "an individual certificate that states the insurance protection to which the employee or member is entitled and to whom benefits are payable." That certificate is the required document.

    Reference: Michigan Insurance Code Chapter 500 — MCL 500.3402a(c), page 624

  8. 8A patient with a dental indemnity policy pays a dentist after treatment and submits a covered claim. How is this plan generally arranged to reimburse the patient?

    1. A. The insurer pays a contracted dentist, and the patient pays a network copay.
    2. B. The patient pays the dentist, then seeks reimbursement from the insurer.
    3. C. The patient pays a discount-plan dentist without insurer reimbursement.
    4. D. The insurer pays a network dentist under a negotiated PPO fee schedule.

    Answer: B

    Explanation: "insured consumers pay dentists directly for services rendered and later receive compensation from the insurance company" In dental indemnity coverage, the insured pays the dentist first and seeks reimbursement. The other flows describe different or unsupported payment arrangements.

    Reference: NAIC, Understanding Your Dental Insurance — Types of Dental Insurance, dental indemnity plans

  9. 9Before recommending the purchase or replacement of a Michigan Medicare supplement policy, what must a producer make reasonable efforts to determine?

    1. A. The applicant's preferred pharmacy only
    2. B. Whether the purchase or replacement is appropriate
    3. C. The applicant's eligibility for life insurance
    4. D. Whether the applicant owns a long-term care policy

    Answer: B

    Explanation: MCL 500.3835(2) states: "In recommending the purchase or replacement of any Medicare supplement coverage, an agent shall make reasonable efforts to determine the appropriateness" of the recommendation. Option B states that duty.

    Reference: Michigan Insurance Code Chapter 500 — MCL 500.3835

  10. 10For a 2025 federal return, an individual paid all premiums for a personal accident-and-health policy with after-tax funds. How are benefits received under that policy generally treated?

    1. A. They are not taxable solely because the policy pays benefits.
    2. B. They are fully taxable because the policy was personally owned.
    3. C. They are taxable up to the amount of premiums previously paid.
    4. D. They are taxable only if the insured also has group coverage.

    Answer: A

    Explanation: "if you paid the premiums on an accident or health insurance policy, the benefits you receive under the policy aren’t taxable." IRS Publication 525 excludes benefits where the insured paid the premiums. The alternatives incorrectly tax personally funded benefits.

    Reference: IRS Publication 525 (2025), Taxable and Nontaxable Income — Publication 525 (2025), Sickness and Injury Benefits

Topics in this practice bank

These topics describe the available practice for Michigan Accident and Health Producer. Review the examination outline and its sources for scope and allocation details.

  • Insurance Regulation
    • Company Regulation
    • Company Regulation > Producer Appointment (500.1208a, .1208b, .1209, .1411)
    • Company Regulation > Termination of Appointment (500.1208b, .1209)
    • Producer Regulation
    • Producer Regulation > Duties (500.1201a, .1202)
    • Producer Regulation > Commissions (500.1240, .2011)
    • Producer Regulation > Types of Licensees (500.1206)
    • Producer Regulation > Types of Licensees (500.1206) > Producer (500.240, 500.1201, .1201a, .1204, .1205, .1206, .1206b, .1240)
    • Producer Regulation > Types of Licensees (500.1206) > Counselor (500.1232, .1234, .1236)
    • Producer Regulation > Types of Licensees (500.1206) > Business Entity (500.1201, .1205)
    • Producer Regulation > Maintenance and Duration
    • Producer Regulation > Maintenance and Duration > Change of Name and Address (500.1206(5))
    • Producer Regulation > Maintenance and Duration > Reporting of Actions (500.1208b, .1239, .1244, .1246, .1247)
    • Producer Regulation > Maintenance and Duration > Assumed Names (500.1211a)
    • Producer Regulation > Maintenance and Duration > Continuing Education Requirements (500.1204, .1204c, .1204d, .1204e, .1204f, .1206)
    • Producer Regulation > Disciplinary Actions
    • Producer Regulation > Disciplinary Actions > Cease and Desist Order (500.1244, .2038)
    • Producer Regulation > Disciplinary Actions > Suspension, Revocation, Refusal to Issue or Renew (500.1200, .1209, .1239, .1244, .1379, .2029, .2043)
    • Producer Regulation > Disciplinary Actions > Penalties and Fines (500.1242, .1244, .1379, .2038, .2040, .2064, .2069)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Misrepresentation (500.2005, .2005a, .2055, .2057, .2064, .2218)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > False Information and Advertising (500.2001, .2002, .2005, .2005a, .2007, .2055, .2057, .2064; R500.651-.669)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Inducement (500.2005(f), .2024, .2064(2), .2066, .2069, .2070)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > False Statement (500.1015, .2014, .2018, .2055, .2062, .2474, .2666)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Deception (500.2007, .2009; 600.2911)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Boycott, Coercion, and Intimidation (500.1242, .2012)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Unfair Discrimination (500.2019, .2020, .2027, .2082)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Rebating (500.2024, .2066, .2069, .2070)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Fiduciary Responsibilities (500.1207)
    • Producer Regulation > Unfair Insurance Trade Practices (500.1239, .1244, .2003, .2006-.2014, .2016-.2021, .2026, .2029) > Forgery (500.1239)
    • Insurance Fraud Regulation (500.2088, .4501, .4503, .4507, .4509, .4511, .8197; 752.1003, .1005)
    • Consumer Privacy Regulation (500.501, .503, .505, .507, .513, .515, .533, .535, .2005a, .4501, .4507, .4509; R500.551-.560)
  • General Insurance
    • Concepts
    • Concepts > Methods of Handling Risk
    • Concepts > Methods of Handling Risk > Avoidance
    • Concepts > Methods of Handling Risk > Retention
    • Concepts > Methods of Handling Risk > Sharing
    • Concepts > Methods of Handling Risk > Reduction
    • Concepts > Methods of Handling Risk > Transfer
    • Concepts > Elements of Insurable Risks
    • Concepts > Adverse Selection
    • Concepts > Law of Large Numbers
    • Insurers
    • Insurers > Types of Insurers
    • Insurers > Types of Insurers > Stock Companies
    • Insurers > Types of Insurers > Mutual Companies
    • Insurers > Private versus Government Insurers
    • Insurers > Financial Status (Independent Rating Services)
    • Insurers > Marketing (Distribution) Systems
    • Producers and General Rules of Agency
    • Producers and General Rules of Agency > Authority and Powers of Producers
    • Producers and General Rules of Agency > Authority and Powers of Producers > Express
    • Producers and General Rules of Agency > Authority and Powers of Producers > Implied
    • Producers and General Rules of Agency > Authority and Powers of Producers > Apparent
    • Producers and General Rules of Agency > Responsibilities to the Applicant/Insured
    • Contracts
    • Contracts > Elements of a Legal Contract
    • Contracts > Elements of a Legal Contract > Offer and Acceptance
    • Contracts > Elements of a Legal Contract > Consideration
    • Contracts > Elements of a Legal Contract > Competent Parties
    • Contracts > Elements of a Legal Contract > Legal Purpose
    • Contracts > Distinct Characteristics of an Insurance Contract
    • Contracts > Legal Interpretations affecting Contracts
    • Contracts > Legal Interpretations affecting Contracts > Indemnity
    • Contracts > Legal Interpretations affecting Contracts > Representations/Misrepresentations
    • Contracts > Legal Interpretations affecting Contracts > Warranties
    • Contracts > Legal Interpretations affecting Contracts > Concealment
    • Contracts > Legal Interpretations affecting Contracts > Fraud
    • Contracts > Legal Interpretations affecting Contracts > Waiver and Estoppel
  • Accident and Health Insurance Basics
    • Definitions
    • Definitions > Accidental Injury
    • Definitions > Sickness
    • Principal Types of Losses and Benefits
    • Principal Types of Losses and Benefits > Loss of Income from Disability
    • Principal Types of Losses and Benefits > Hospital/Medical Expense
    • Principal Types of Losses and Benefits > Dental Expense
    • Principal Types of Losses and Benefits > Long-Term Care Expense/Home Health Care
    • Classes of Health Insurance Policies
    • Classes of Health Insurance Policies > Limited versus Comprehensive
    • Limited Policies
    • Limited Policies > Limited Benefits
    • Limited Policies > Required Notice to Insured
    • Limited Policies > Types of Limited Policies
    • Limited Policies > Types of Limited Policies > Accident-Only
    • Limited Policies > Types of Limited Policies > Critical Illness
    • Limited Policies > Types of Limited Policies > Hospital Indemnity (Income)
    • Limited Policies > Types of Limited Policies > Credit Disability
    • Limited Policies > Types of Limited Policies > Blanket Insurance (500.701, .3400, .3402d, .3402e, .3402f, .3402g)
    • Limited Policies > Types of Limited Policies > Prescription Drugs
    • Limited Policies > Types of Limited Policies > Dental
    • Limited Policies > Types of Limited Policies > Vision Care
    • Limited Policies > Types of Limited Policies > Medicare Supplements
    • Common Exclusions from Coverage
    • Producer Responsibilities in Individual and Group Health Insurance
    • Producer Responsibilities in Individual and Group Health Insurance > Marketing Requirements
    • Producer Responsibilities in Individual and Group Health Insurance > Marketing Requirements > Advertising (R500.651-.658, .660-.668)
    • Producer Responsibilities in Individual and Group Health Insurance > Marketing Requirements > Life and Health Insurance Guaranty Association (500.7702)
    • Producer Responsibilities in Individual and Group Health Insurance > Marketing Requirements > Outline of Coverage (R500.656-.658, .661)
    • Producer Responsibilities in Individual and Group Health Insurance > Field Underwriting
    • Producer Responsibilities in Individual and Group Health Insurance > Field Underwriting > Nature and Purpose
    • Producer Responsibilities in Individual and Group Health Insurance > Field Underwriting > Disclosure of Information about Individuals
    • Producer Responsibilities in Individual and Group Health Insurance > Field Underwriting > Application Procedures
    • Producer Responsibilities in Individual and Group Health Insurance > Field Underwriting > Requirements at Delivery of Policy
    • Producer Responsibilities in Individual and Group Health Insurance > Common Situations for Errors and Omissions
    • Individual Underwriting by the Insurer
    • Individual Underwriting by the Insurer > Underwriting Criteria
    • Individual Underwriting by the Insurer > Sources of Underwriting Information
    • Individual Underwriting by the Insurer > Sources of Underwriting Information > Application
    • Individual Underwriting by the Insurer > Sources of Underwriting Information > Producer Report
    • Individual Underwriting by the Insurer > Sources of Underwriting Information > Investigative Consumer Report
    • Individual Underwriting by the Insurer > Sources of Underwriting Information > Medical Information Bureau (MIB)
    • Individual Underwriting by the Insurer > Sources of Underwriting Information > Medical Examinations and Lab Tests
    • Individual Underwriting by the Insurer > Sources of Underwriting Information > Use of Genetic Information (500.3407b)
    • Individual Underwriting by the Insurer > Classification of Risks
    • Individual Underwriting by the Insurer > Classification of Risks > Preferred
    • Individual Underwriting by the Insurer > Classification of Risks > Standard
    • Individual Underwriting by the Insurer > Classification of Risks > Substandard
    • Considerations in Replacing Health Insurance
    • Considerations in Replacing Health Insurance > Benefits, Limitations, and Exclusions
    • Considerations in Replacing Health Insurance > Underwriting Requirements
    • Considerations in Replacing Health Insurance > Producer Liability for Errors and Omissions
  • Individual Accident, Health, and Disability Insurance Policy General Provisions
    • Required Provisions
    • Required Provisions > Entire Contract; Changes (500.3407)
    • Required Provisions > Time Limit on Certain Defenses (500.3408)
    • Required Provisions > Grace Period (500.3410)
    • Required Provisions > Reinstatement (500.3411)
    • Required Provisions > Claim Procedures (500.2006, .3412-.3418)
    • Required Provisions > Physical Examinations and Autopsy (500.3420)
    • Required Provisions > Legal Actions (500.1247, 3422)
    • Required Provisions > Right to Examine (Free Look) (500.3409)
    • Optional Provisions
    • Optional Provisions > Change of Occupation (500.3432)
    • Optional Provisions > Misstatement of Age (500.2218, .3434)
    • Optional Provisions > Other Insurance in this Insurer (500.3436)
    • Optional Provisions > Insurance with other Insurers
    • Optional Provisions > Unpaid Premium (500.3446)
    • Optional Provisions > Conformity with State Statutes (500.3450)
    • Optional Provisions > Illegal Occupation (500.3452)
    • Other General Provisions
    • Other General Provisions > Renewability Clause (500.2213b; R500.658)
    • Other General Provisions > Renewability Clause (500.2213b; R500.658) > Noncancelable
    • Other General Provisions > Renewability Clause (500.2213b; R500.658) > Guaranteed Renewable
    • Other General Provisions > Renewability Clause (500.2213b; R500.658) > Conditionally Renewable
    • Other General Provisions > Renewability Clause (500.2213b; R500.658) > Renewable at Option of Insurer
  • Disability Income and Related Insurance
    • Qualifying for Disability Benefits
    • Qualifying for Disability Benefits > Inability to Perform Duties
    • Qualifying for Disability Benefits > Inability to Perform Duties > Own Occupation
    • Qualifying for Disability Benefits > Inability to Perform Duties > Any Occupation
    • Qualifying for Disability Benefits > Presumptive Disability
    • Qualifying for Disability Benefits > Requirement to be under Physician Care
    • Individual Disability Income Insurance
    • Individual Disability Income Insurance > Basic Total Disability Plan
    • Individual Disability Income Insurance > Basic Total Disability Plan > Income Benefits (Monthly Indemnity)
    • Individual Disability Income Insurance > Basic Total Disability Plan > Elimination and Benefit Periods
    • Individual Disability Income Insurance > Basic Total Disability Plan > Waiver of Premium Feature
    • Individual Disability Income Insurance > At-Work Benefits
    • Individual Disability Income Insurance > At-Work Benefits > Partial Disability Benefit
    • Individual Disability Income Insurance > Refund Provisions
    • Individual Disability Income Insurance > Refund Provisions > Return of Premium
    • Individual Disability Income Insurance > Exclusions
    • Unique Aspects of Individual Disability Underwriting
    • Unique Aspects of Individual Disability Underwriting > Occupational Considerations
    • Unique Aspects of Individual Disability Underwriting > Benefit Limits
    • Group Disability Income Insurance
    • Group Disability Income Insurance > Group versus Individual Plans
    • Group Disability Income Insurance > Short-Term Disability (STD)
    • Business Disability Insurance
    • Business Disability Insurance > Key Person Disability Income
    • Business Disability Insurance > Buy-Sell Disability
    • Business Disability Insurance > Business Overhead Expense
    • Workers' Compensation
    • Workers' Compensation > Benefits
  • Medical Plans
    • Medical Plan Concepts
    • Medical Plan Concepts > Specified Coverages versus Comprehensive Care
    • Medical Plan Concepts > Benefit Schedule versus Usual/Reasonable/Customary Charges
    • Types of Plans
    • Types of Plans > Major Medical Insurance (Indemnity Plans)
    • Types of Plans > Major Medical Insurance (Indemnity Plans) > Characteristics
    • Types of Plans > Major Medical Insurance (Indemnity Plans) > Common Limitations
    • Types of Plans > Major Medical Insurance (Indemnity Plans) > Exclusions from Coverage
    • Types of Plans > Major Medical Insurance (Indemnity Plans) > Provisions affecting Cost to Insured
    • Types of Plans > Health Maintenance Organizations (HMOs)
    • Types of Plans > Health Maintenance Organizations (HMOs) > General Characteristics
    • Types of Plans > Health Maintenance Organizations (HMOs) > Preventive Care Services
    • Types of Plans > Health Maintenance Organizations (HMOs) > Primary Care Physician (PCP)
    • Types of Plans > Health Maintenance Organizations (HMOs) > Specialty Physician
    • Types of Plans > Health Maintenance Organizations (HMOs) > Specialty Physician > Referral and Authorization Requirements
    • Types of Plans > Health Maintenance Organizations (HMOs) > Emergency Care
    • Types of Plans > Health Maintenance Organizations (HMOs) > Other Basic Services
    • Types of Plans > Preferred Provider Organizations (PPOs)
    • Types of Plans > Preferred Provider Organizations (PPOs) > General Characteristics
    • Types of Plans > Preferred Provider Organizations (PPOs) > In-Network and Out-of-Network Provider Access
    • Types of Plans > Preferred Provider Organizations (PPOs) > PCP Referral
    • Types of Plans > Preferred Provider Organizations (PPOs) > Indemnity Plan Features
    • Types of Plans > Point-of-Service (POS) Plans
    • Types of Plans > Point-of-Service (POS) Plans > General Characteristics
    • Types of Plans > Point-of-Service (POS) Plans > PCP Without Referral
    • Cost Containment in Health Care Delivery
    • Cost Containment in Health Care Delivery > Utilization Review
    • Cost Containment in Health Care Delivery > Utilization Review > Precertification Authorization (Prospective Review)
    • Cost Containment in Health Care Delivery > Utilization Review > Concurrent Review
    • Cost Containment in Health Care Delivery > Utilization Review > Prior Authorization
    • Cost Containment in Health Care Delivery > Utilization Review > Step Therapy
    • Michigan Eligibility Requirements (Individual and/or Group)
    • Michigan Eligibility Requirements (Individual and/or Group) > Dependent Child Age Limit (500.2264, .3402, .3406h)
    • Michigan Eligibility Requirements (Individual and/or Group) > Child Enrollment; Non-Custodial Parents (500.2264, .3406g, .3406h)
    • Michigan Eligibility Requirements (Individual and/or Group) > Newborn Child Coverage (500.3403)
    • Michigan Eligibility Requirements (Individual and/or Group) > Adopted Children (500.4426)
    • Health Insurance Portability and Accountability Act (HIPAA) Requirements
    • Health Insurance Portability and Accountability Act (HIPAA) Requirements > Eligibility
    • Health Insurance Portability and Accountability Act (HIPAA) Requirements > Guaranteed Issue
    • Health Insurance Portability and Accountability Act (HIPAA) Requirements > Pre-Existing Conditions
    • Health Insurance Portability and Accountability Act (HIPAA) Requirements > Creditable Coverage
    • Health Insurance Portability and Accountability Act (HIPAA) Requirements > Renewability
  • Group Health Insurance
    • Characteristics of Group Insurance
    • Characteristics of Group Insurance > Group Contract
    • Characteristics of Group Insurance > Certificate of Coverage (500.3402)
    • Characteristics of Group Insurance > Experience Rating versus Community Rating
    • Types of Eligible Groups
    • Types of Eligible Groups > Employment-Related Groups
    • Types of Eligible Groups > Employment-Related Groups > Individual Employer Groups
    • Types of Eligible Groups > Associations (Alumni, Professional, Other)
    • Types of Eligible Groups > Customer Groups (Depositors, Creditor-Debtor, Other)
    • Employer Group Health Insurance
    • Employer Group Health Insurance > Insurer Underwriting Criteria
    • Employer Group Health Insurance > Insurer Underwriting Criteria > Characteristics of Group
    • Employer Group Health Insurance > Insurer Underwriting Criteria > Plan Design Factors
    • Employer Group Health Insurance > Insurer Underwriting Criteria > Administrative Capability
    • Employer Group Health Insurance > Eligibility for Coverage
    • Employer Group Health Insurance > Eligibility for Coverage > Annual Open Enrollment
    • Employer Group Health Insurance > Eligibility for Coverage > Employee Eligibility
    • Employer Group Health Insurance > Eligibility for Coverage > Dependent Eligibility
    • Employer Group Health Insurance > Coordination of Benefits Provision (500.3402b, 500.3406s; 550.251-.255)
    • Employer Group Health Insurance > Change of Insurers or Loss of Coverage
    • Employer Group Health Insurance > Change of Insurers or Loss of Coverage > Coinsurance and Deductible Carryover
    • Employer Group Health Insurance > Change of Insurers or Loss of Coverage > No-Loss No-Gain
    • Employer Group Health Insurance > Change of Insurers or Loss of Coverage > Events that Terminate Coverage
    • Employer Group Health Insurance > Change of Insurers or Loss of Coverage > Continuation of Coverage under COBRA and Michigan Specific Rules (500.3708)
    • Small Employer Medical Plans
    • Small Employer Medical Plans > Definition of Small Employer (500.3701)
    • Small Employer Medical Plans > Eligibility of Employees (500.3701, .3707)
    • Small Employer Medical Plans > Renewability (500.3701, .3711)
  • Dental Insurance
    • Indemnity Plans
    • Indemnity Plans > Choice of Providers
    • Indemnity Plans > Scheduled versus Nonscheduled Plans
    • Indemnity Plans > Benefit Categories
    • Indemnity Plans > Benefit Categories > Diagnostic/Preventive Services
    • Indemnity Plans > Benefit Categories > Basic Services
    • Indemnity Plans > Benefit Categories > Major Services
    • Indemnity Plans > Benefit Categories > Orthodontics
    • Indemnity Plans > Deductibles and Coinsurance
    • Indemnity Plans > Combination Plans
    • Indemnity Plans > Exclusions
    • Indemnity Plans > Limitations
    • Indemnity Plans > Predetermination of Benefits
    • Indemnity Plans > Usual/Reasonable/Customary Charges
  • Health Insurance for Senior Citizens and Special Needs Individuals
    • Medicare
    • Medicare > Financing and Administration
    • Medicare > Part A - Hospital Insurance
    • Medicare > Part A - Hospital Insurance > Individual Eligibility Requirements
    • Medicare > Part A - Hospital Insurance > Enrollment
    • Medicare > Part B - Medical Insurance
    • Medicare > Part B - Medical Insurance > Individual Eligibility Requirements
    • Medicare > Part B - Medical Insurance > Enrollment
    • Medicare > Part B - Medical Insurance > Coverages and Cost-Sharing Amounts
    • Medicare > Part C - Medicare Advantage
    • Medicare > Part C - Medicare Advantage > Individual Eligibility Requirements
    • Medicare > Part C - Medicare Advantage > Enrollment
    • Medicare > Part C - Medicare Advantage > Annual Certification
    • Medicare > Part D - Prescription Drug Insurance
    • Medicare > Part D - Prescription Drug Insurance > Individual Eligibility Requirements
    • Medicare > Part D - Prescription Drug Insurance > Enrollment
    • Medicare Supplements (500.3803-.3835, .3839-.3861)
    • Medicare Supplements (500.3803-.3835, .3839-.3861) > Purpose
    • Medicare Supplements (500.3803-.3835, .3839-.3861) > Enrollment
    • Medicare Supplements (500.3803-.3835, .3839-.3861) > Standardized Medicare Supplement Plans
    • Other Options for Individuals with Medicare
    • Other Options for Individuals with Medicare > Employer Group Health Plans
    • Other Options for Individuals with Medicare > Employer Group Health Plans > Employees with Kidney Failure
    • Other Options for Individuals with Medicare > Employer Group Health Plans > Individuals Age 65 or Older
    • Other Options for Individuals with Medicare > Medicaid
    • Other Options for Individuals with Medicare > Medicaid > Eligibility
    • Other Options for Individuals with Medicare > Medicaid > Benefits
    • Long-Term Care (LTC) Insurance (500.3901-.3955)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Eligibility for Benefits
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Levels of Care
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Levels of Care > Skilled Nursing Care
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Levels of Care > Intermediate Care
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Levels of Care > Custodial Care
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Levels of Care > Home Health Care or Assisted Living (500.3913)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Levels of Care > Adult Day Care
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Levels of Care > Respite Care
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Benefit Periods
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Benefit Amounts
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Optional Benefits
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Optional Benefits > Guarantee of Insurability
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Optional Benefits > Return of Premium
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Qualified LTC Plans (State and Federal)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Exclusions
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Underwriting Considerations
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Michigan Regulations and Required Provisions (500.3901-.3955)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Michigan Regulations and Required Provisions (500.3901-.3955) > Standards for Marketing (500.3942)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Michigan Regulations and Required Provisions (500.3901-.3955) > Shopper's Guide (500.3937)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Michigan Regulations and Required Provisions (500.3901-.3955) > Summary of Coverage (500.3933)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Michigan Regulations and Required Provisions (500.3901-.3955) > Required Disclosure Provisions (500.3923)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Michigan Regulations and Required Provisions (500.3901-.3955) > Replacement (500.3917)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Right to Return (500.3943)
    • Long-Term Care (LTC) Insurance (500.3901-.3955) > Inflation Protection (500.3909)
  • Federal Tax Considerations for Health Insurance
    • Personally-Owned Health Insurance
    • Personally-Owned Health Insurance > Disability Income Insurance
    • Personally-Owned Health Insurance > Medical Expense Insurance
    • Personally-Owned Health Insurance > Dental Insurance
    • Personally-Owned Health Insurance > Long-Term Care Insurance
    • Personally-Owned Health Insurance > FSAs, HRAs, and HSAs
    • Employer Group Health Insurance
    • Employer Group Health Insurance > Disability Income (STD, LTD)
    • Employer Group Health Insurance > Benefits Subject to FICA
    • Employer Group Health Insurance > Accidental Death and Dismemberment

How to use these free practice questions

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These are independent study questions, not actual examination items. For examination requirements and official information, view Michigan Accident and Health Producer details.