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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Maryland Insurance Laws and Regulations | 20-25% | - Consumer protection regulations - Violations and penalty provisions - Privacy and confidentiality requirements - Producer licensing requirements - Maryland Insurance Code - Unfair claim settlement practices |
| Marketing Practices | 8-12% | - Producer responsibilities - Advertising guidelines - Prohibited practices - Marketing regulations |
| Types of Health Insurance Policies | 20-25% | - Individual health insurance - Group health insurance - Long-term care insurance - Medicare and Medicaid - Dental and vision insurance - Disability income insurance |
| Social Insurance Programs | 8-12% | - Medicare Part A, B, C, D - Medicaid programs - Social Security disability benefits - CHIP (Children's Health Insurance Program) |
| Field Underwriting and Application Process | 8-12% | - Risk classification - Agent responsibilities in enrollment - Medical underwriting - Application procedures |
| Policy Provisions and Clauses | 18-22% | - Coverage terms and conditions - Preexisting condition clauses - Exclusions and limitations - Deductibles and copayments - Benefit periods - Waiting periods |
Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
Which benefit is usually excluded from accident and health plan coverage?
- A. Hospital expense
- B. Custodial care
- C. Surgical expense
- D. Physicians' visits
Correct Answer: B 🗳️
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An insurance adviser's written contract with the client must include all of the following EXCEPT:
- A. Expiration date of the consultant's license
- B. Amount of the fee
- C. Disclosure as to whether commissions may be received
- D. Duration of the contract
Correct Answer: A 🗳️
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After completing an application for insurance, the insurance producer collects the premiums but deposits the check in the insurance producer's checking account. What crime has been committed?
- A. Rebating
- B. Replacement
- C. Twisting
- D. Fraud
Correct Answer: D 🗳️
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An elimination period in a disability income insurance policy is the:
- A. Time period the policy is in force
- B. Time during which benefits are paid under the policy
- C. Period between the start of a disability and the beginning of benefits
- D. Same as the probationary period
Correct Answer: C 🗳️
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In accident and health insurance, a waiting period for pre-existing conditions means that:
- A. A period of time must elapse before pre-existing conditions are covered
- B. Payment for expenses resulting from pre-existing conditions is held in escrow
- C. Coverage for pre-existing conditions is permanently excluded by a new insurer
- D. Coverage for pre-existing conditions starts at the inception of the new policy
Correct Answer: A 🗳️
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