NYLAHI New York Life, Accident & Health Insurance exam - Set 5 - Part 2

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 21: A group health plan requires a newly hired employee to complete a short waiting period before coverage begins. This initial waiting period is best described as which of the following?

A probationary period

An elimination period

An open enrollment period

A grace period

Question 22: A jointly administered trust established by a labor union and participating employers to provide health benefits to union members is recognized in New York as which of the following?

A blanket group

A reciprocal group

An eligible group

A debtor group

Question 23: A large employer that pays employee health claims from its own funds may buy which coverage to protect itself against unusually high total claims?

Conversion coverage

Blanket coverage

Community-rated coverage

Stop-loss coverage

Question 24: Which part of Medicare primarily helps pay for inpatient hospital stays, limited skilled nursing facility care, and hospice care?

Medicare Part B

Medicare Part A

Medicare Part C

Medicare Part D

Question 25: Which part of Medicare helps pay for physician services, outpatient care, and other medical services and supplies for a monthly premium?

Medicare Part B

Medicare Part A

Medicare Part C

Medicare Part D

Question 26: A private plan that an enrollee may choose as an alternative to Original Medicare, often combining hospital, medical, and drug coverage in one plan, is which part of Medicare?

Medicare Part A

Medicare Part B

Medicare Part C

Medigap

Question 27: Which part of Medicare provides optional prescription drug coverage through private plans approved by the government?

Medicare Part A

Medicare Part B

Medicare Part C

Medicare Part D

Question 28: Besides reaching age sixty-five, a person may qualify for Medicare before that age based on which of the following?

Long-term disability or kidney failure

Low income and few assets

Loss of a group health plan

Service in the armed forces

Question 29: A joint federal and state program that pays health and long-term care costs for people with low income and limited assets is best described as which of the following?

Medicare

A Medicare supplement

Medicaid

Healthy New York

Question 30: Social Security disability benefits are payable only to a worker whose impairment is expected to last a long time or result in death and who cannot do which of the following?

Their own former job

Any substantial gainful work

Light or part-time work

Work in their home state

Question 31: Which government program provides medical care and partial wage replacement to employees who are injured or become ill because of their job?

Social Security Disability

The Disability Benefits Law

Medicaid

Workers' compensation

Question 32: New York requires most employers to provide short-term cash benefits to employees who are disabled by an injury or illness that happened off the job. This coverage is known as which of the following?

The Disability Benefits Law

Workers' compensation

Social Security Disability

The Family and Medical Leave Act

Question 33: An employee is hurt at home over the weekend and cannot work. Which New York program, rather than workers' compensation, would provide short-term disability benefits?

Medicare Part A

Social Security retirement

The Disability Benefits Law

Healthy New York

Question 34: A New York public program that provides low-cost or free health coverage to children whose families earn too much for Medicaid is best described as which of the following?

Medicare Part C

Healthy New York

A Medicare supplement

Child Health Plus

Question 35: A New York program created to make health coverage more affordable for small employers and their workers through standardized lower-cost plans is best described as which of the following?

Child Health Plus

Healthy New York

Medicaid

Medicare Advantage

Question 36: The traditional government fee-for-service Medicare program, made up of hospital insurance and medical insurance together, is commonly referred to as which of the following?

Original Medicare

Medicare Advantage

A Medicare supplement

Medicaid

Question 37: When an employee age sixty-five keeps working and stays on a large employer's group health plan, that group plan generally pays before Medicare under which set of rules?

Coordination of dependents

The conversion rules

The community rating rules

The Medicare secondary payer rules

Question 38: A younger person who receives Social Security disability benefits becomes eligible for Medicare only after which of the following?

Reaching age fifty-five

Buying a Medicare supplement

A substantial waiting period

Enrolling in Medicaid first

Question 39: A Medicare supplement policy is designed mainly to pay which of the following for a person enrolled in Original Medicare?

The deductibles and coinsurance Medicare leaves

Long-term custodial nursing home care

All prescription drug costs

Care received before age sixty-five

Question 40: Which of the following is generally NOT covered by a standard Medicare supplement policy?

The Part A hospital deductible

Part B coinsurance amounts

Extra hospital days after Medicare ends

Long-term custodial nursing care

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