Ohio Accident & Health Insurance Practice Questions
12 sample questions written from the Ohio exam outline, with answers and explanations. The first two are open. Enter your email to see the other ten.
Ohio's Accident & Health exam (Series 11-45) has 100 questions in 2 hours. Life and Accident & Health together (Series 11-35) has 150 questions in 2.5 hours. You need 70% to pass. How to get the Ohio Accident & Health license →
Try two questions
1. Original Medicare generally does not pay for care outside the United States. Which Medicare supplement benefit pays 80% of emergency care during travel abroad?
- A. Foreign travel emergency benefit
- B. Part B excess charge benefit
- C. Hospice coinsurance benefit
- D. Skilled nursing facility coinsurance benefit
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Answer: A. Foreign travel emergency benefit
Several Medicare supplement plans include a foreign travel emergency benefit. After a deductible, it pays 80% of emergency care abroad, up to a lifetime limit.
2. Which health or disability rider refunds part of the premiums paid if the insured files few or no claims over a set period?
- A. Future increase option rider
- B. Return of premium rider
- C. Impairment rider
- D. Cost of living adjustment rider
Show answer
Answer: B. Return of premium rider
A return of premium rider gives back a portion of premiums, minus claims paid, at the end of a stated period. It adds to the premium.
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3. Doris has a Medicare Advantage plan and wants to switch to a different plan for next year. During which annual period can she make this change?
- A. April 1 through June 30
- B. Only during the month of her 65th birthday
- C. October 15 through December 7
- D. July 1 through September 30
Answer: C. October 15 through December 7
The Medicare annual open enrollment period runs from October 15 to December 7. Changes take effect on January 1.
4. Which Medicare supplement plan pays 50% of most cost-sharing, such as the Part A deductible and Part B coinsurance, until the insured reaches a yearly out-of-pocket limit?
- A. Plan G
- B. Plan N
- C. Plan L
- D. Plan K
Answer: D. Plan K
Plan K pays half of most cost-sharing, and Plan L pays 75%. Both have a yearly out-of-pocket limit, after which the plan pays 100% of covered services for the rest of the year.
5. Two retirees have Medicare Part B. One has a much higher income than the other. Compared with the other retiree, the higher-income retiree will generally pay:
- A. A lower Part B deductible
- B. A higher monthly Part B premium
- C. No Part B premium
- D. The same Part B premium
Answer: B. A higher monthly Part B premium
Higher-income people pay an extra amount on top of the standard Part B premium. This is called the income-related monthly adjustment amount.
6. A basic medical expense policy pays covered costs starting with the first dollar, with no deductible. This feature is called:
- A. Stop-loss coverage
- B. A corridor deductible
- C. First-dollar coverage
- D. Coinsurance
Answer: C. First-dollar coverage
Basic hospital, surgical and physician expense policies usually pay from the first dollar, up to fairly low limits.
7. Which basic medical expense coverage pays for a doctor's nonsurgical visits, such as office or hospital visits?
- A. Hospital indemnity coverage
- B. Surgical expense coverage
- C. Critical illness coverage
- D. Physician's expense coverage
Answer: D. Physician's expense coverage
Physician's expense coverage, also called regular medical expense coverage, pays for nonsurgical care by a doctor.
8. Ellen's long-term care policy pays benefits during a nursing home stay. After she goes home and needs no care for 180 days, the policy brings her benefit maximum back to its full amount. This feature is:
- A. Restoration of benefits
- B. Third-party notification
- C. Inflation protection
- D. Shortened benefit period
Answer: A. Restoration of benefits
A restoration of benefits provision restores benefits used once the insured goes a set time without needing care.
9. For a person first eligible for Medicare on or after January 1, 2020, which Medicare supplement plan covers every benefit Plan F covers except the Part B deductible?
- A. Plan N
- B. Plan B
- C. Plan G
- D. Plan A
Answer: C. Plan G
Plan G covers everything Plan F covers except the Part B deductible. Plan F cannot be sold to people newly eligible on or after January 1, 2020.
10. Maria's employer cuts her hours, and she is no longer eligible for the group health plan. Under the federal Consolidated Omnibus Budget Reconciliation Act (COBRA), this is:
- A. Not a qualifying event, because she still works there
- B. A qualifying event only for her spouse and children
- C. A qualifying event only if the employer has 100 or more employees
- D. A qualifying event, so she can elect continuation coverage
Answer: D. A qualifying event, so she can elect continuation coverage
A reduction in hours that ends group coverage is a COBRA qualifying event. The employee and covered dependents can elect up to 18 months of continuation.
11. Under Original Medicare Part A, inpatient care in a freestanding psychiatric hospital is limited to a lifetime maximum of:
- A. 190 days
- B. 100 days
- C. 60 days
- D. 365 days
Answer: A. 190 days
Part A covers inpatient care in a freestanding psychiatric hospital for up to 190 days over a person's lifetime.
12. Compared with a major medical plan that meets Affordable Care Act rules, a short-term medical plan generally:
- A. Must cover all essential health benefits
- B. Can exclude pre-existing conditions
- C. Must cover adult children to age 26
- D. Cannot use medical underwriting
Answer: B. Can exclude pre-existing conditions
Short-term plans do not have to follow Affordable Care Act rules. They can underwrite applicants, exclude pre-existing conditions and leave out essential health benefits.
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These are original questions written from the published exam outline. They are not taken from the state exam.
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