Free Accident & Health Practice Questions

Sample Practice Questions

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

1. 1Which activity must appear in an Iowa long-term care policy's required activities-of-daily-living list?

   1. A. Transferring
   2. B. Shopping
   3. C. Driving
   4. D. Managing money

   Answer: A

   Explanation: “Transferring” Iowa's required list includes bathing, continence, dressing, eating, toileting, and transferring.

   Reference: Iowa Administrative Code — Iowa Administrative Code r. 191—39.30(2)

2. 2May an Iowa carrier modify a basic individual health benefit plan with a rider that excludes an otherwise covered disease for one dependent?

   1. A. Yes, whenever the dependent has filed a claim
   2. B. Yes, if the rider lasts no more than one year
   3. C. No
   4. D. Only if the producer signs the rider

   Answer: C

   Explanation: “restrict or exclude coverage for certain diseases or medical conditions” Iowa bars disease-specific riders or endorsements that restrict otherwise covered conditions for an individual or dependent under a basic or standard individual plan.

   Reference: Iowa Code 513 C (2026) — Iowa Code §513C.7(3)

3. 3A Medicare beneficiary wants a Medicare-approved private plan that provides an alternative to Original Medicare Parts A and B, usually bundling hospital, medical, and drug benefits. Which option is described?

   1. A. Original Medicare
   2. B. Medicare Advantage (Part C)
   3. C. Medicare supplement insurance
   4. D. A standalone Part D drug plan

   Answer: B

   Explanation: Medicare.gov says "Medicare Advantage offers an alternative to Original Medicare" through an approved private health plan; these bundled plans include Part A, Part B, and usually Part D. Medigap supplements Original Medicare, while a standalone drug plan does not replace Parts A and B.

   Reference: Parts of Medicare — Parts of Medicare > Your Medicare options > Medicare Advantage

4. 4An Iowa carrier terminates its contract with a participating physician while a covered person is in the third trimester. What continuity protection generally applies?

   1. A. No protection once the contract ends
   2. B. Covered care with that physician may continue through postpartum care related to delivery
   3. C. Coverage continues only until midnight that day
   4. D. The physician must become the insurer's employee

   Answer: B

   Explanation: “through postpartum care related to the child birth and delivery” Absent a statutory exception such as termination for cause, Iowa continues covered treatment through postpartum care for a person in the second or third trimester.

   Reference: Iowa Code 514 C (2026) — Iowa Code §514C.14(1), (3)

5. 5A health insurer asks a consumer reporting agency for an applicant's medical information to underwrite a policy. Whose permission must the insurer obtain before the agency issues that report?

   1. A. The insurance applicant
   2. B. The applicant's treating physician
   3. C. The appointed insurance producer
   4. D. The employer sponsoring the plan

   Answer: A

   Explanation: The FTC states, "If you need a consumer report that has medical information, you must get the applicant’s permission before the CRA can issue the report." A treating physician, producer, or plan sponsor may have roles elsewhere, but none grants the applicant's permission for this release.

   Reference: Consumer Reports: What Insurers Need to Know — Getting and Using Medical Information, paragraph 1

6. 6Under Iowa law, who is the state official responsible for administering the insurance producer licensing chapter?

   1. A. The commissioner of insurance
   2. B. The secretary of state
   3. C. The state treasurer
   4. D. The attorney general

   Answer: A

   Explanation: “commissioner of insurance” Iowa Code defines the commissioner for producer-licensing purposes as the commissioner of insurance and assigns that office rulemaking and enforcement authority.

   Reference: Iowa Code 522 B (2026) — Iowa Code §§522B.1(2), 522B.18

7. 7Under Iowa's required entire-contract provision for an individual accident and sickness policy, who may validly approve a policy change?

   1. A. Any soliciting agent orally
   2. B. An executive officer of the insurer, with the approval endorsed on or attached to the policy
   3. C. The beneficiary without the insured
   4. D. The treating physician

   Answer: B

   Explanation: “No agent has authority to change this policy” The required provision makes the policy and attachments the entire contract and requires an executive officer's approval to be endorsed or attached; an agent cannot change or waive it.

   Reference: Iowa Code 514 a (2026) — Iowa Code §514A.3(1)(a)

8. 8An Iowa long-term care policy uses the number of deficient activities of daily living as a general benefit trigger. What is the largest number the rule permits the trigger to require?

   1. A. One activity
   2. B. Two activities
   3. C. Three activities
   4. D. Four activities

   Answer: C

   Explanation: “not more than three of the activities of daily living” The functional-loss trigger cannot require a deficiency in more than three activities of daily living; a cognitive-impairment trigger is also recognized.

   Reference: Iowa Administrative Code — Iowa Administrative Code r. 191—39.30(1)

9. 9Three years after an Iowa health policy was issued, the insured claims a loss that began after the two-year mark. An application statement about a prior condition was inaccurate but not fraudulent, and no named exclusion applies. May the insurer deny solely for that statement under the standard defense limit?

   1. A. Yes, because any application error remains a defense
   2. B. Yes, if the insurer discovers the error before paying
   3. C. No, because the two-year limit bars that nonfraudulent defense
   4. D. Yes, because the condition existed before coverage began

   Answer: C

   Explanation: Iowa's clause begins "After two years from the date of issue of this policy" and excludes "fraudulent misstatements" from protection. The separate preexisting-condition rule addresses a condition "not excluded from coverage by name or specific description." Here the loss began after two years, the statement was nonfraudulent, and there is no named exclusion; mere preexistence or discovery before payment does not restore that defense.

   Reference: Iowa Code 2026, Chapter 514A — Iowa Code §514A.3(1)(b), time limit on certain defenses

10. 10A low-income adult asks about the joint federal-state program that can provide health coverage when state eligibility rules are met. Which program should the producer identify?

    1. A. Medicare
    2. B. Medicaid
    3. C. Social Security Disability Insurance
    4. D. Children's Health Insurance Program

    Answer: B

    Explanation: HealthCare.gov says, "In all states, Medicaid provides coverage for low-income people" and identifies families, pregnant women, older adults, and people with disabilities among groups served. CHIP is primarily for children and qualifying pregnant women; Medicare and SSDI have different eligibility purposes.

    Reference: Medicaid & CHIP coverage — Medicaid & CHIP coverage > Medicaid basics