Free PDF Quiz Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance - Pass-Sure Simulation Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Questions

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q13-Q18):

NEW QUESTION # 13
If a patient with a preferred provider plan chooses to use a non-preferred provider, the patient usually can expect:

A. To pay the full cost of care
B. 100% reimbursement for the service provided
C. A one-year waiting period before re-enrolling in the preferred provider plan
D. To have higher out-of-pocket expenses

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a PPO, using a non-preferred (out-of-network) provider typically results in higher out-of-pocket expenses (A) due to lower reimbursement rates (e.g., 60% vs. 80% in-network) and potential excess charges.
* Option B (full cost) may apply to HMOs, not PPOs, which still offer some coverage. Option C (100% reimbursement) is false. Option D (waiting period) is unrelated to provider choice.
The Virginia study guide explains that PPOs offer flexibility to use out-of-network providers, but at a higher cost to the insured due to reduced coinsurance or additional charges. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."

NEW QUESTION # 14
Which is true about a term life insurance policy?

A. It may only be written for periods of five years or less
B. It usually can be renewed at the same premium
C. It provides temporary protection
D. It usually provides a cash value

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Term life insurance (B) provides coverage for a specified period (temporary protection) and does not accumulate cash value.
* Option A (cash value) applies to permanent life insurance, not term.
* Option C (five years or less) is false; term policies can span 10, 20, or 30 years.
* Option D (same premium) is incorrect; renewable term policies increase premiums at renewal based on age.
The Virginia study guide describes term life insurance as temporary coverage with no cash value, contrasting it with permanent policies. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on
"Types of Life Insurance."

NEW QUESTION # 15
On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

A. Applicant's general character
B. Agent's relationship to the applicant
C. Applicant's signature
D. Applicant's financial status

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The agent's report includes the agent's observations, such as relationship to the applicant (A), financial status (B), and general character (C), to aid underwriting.
* The applicant's signature (D) is on the application itself, not the agent's separate report.
The Virginia study guide specifies that the agent's report supplements the application with the agent's insights, while the applicant signs the main application, not the report. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."

NEW QUESTION # 16
Which benefit is usually excluded from major medical plan coverage?

A. Custodial care
B. Hospital expense
C. Physicians' visits
D. Surgical expense

Answer: A

Explanation:
Virginia Code § 38.2-3500 et seq. governs major medical plans, which cover catastrophic costs like hospital expenses (option A), physicians' visits (option C), and surgical expenses (option D). Option B (custodial care)
-non-medical assistance with daily living (e.g., bathing)-is typically excluded, as it's not "medically necessary" under standard definitions (Virginia Code § 38.2-3407.10). The study guide likely lists inclusions (A, C, D) with examples-e.g., $5,000 for surgery-versus exclusions like custodial care, covered by LTC policies instead, making B the usual exception.

NEW QUESTION # 17
When a Medicare Supplement policy is purchased during the open enrollment period:

A. The benefits may be lower than usual
B. The exclusions may be more numerous than usual
C. The policy must be issued regardless of health status
D. The premium cost may be higher than usual

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The Medicare Supplement open enrollment period (6 months starting the first month a person is 65 and enrolled in Medicare Part B) guarantees issuance of a policy without regard to health status (D).
* Premiums (A), benefits (B), and exclusions (C) are standardized and not altered during this period due to health.
The Virginia study guide states that during the Medicare Supplement open enrollment, insurers must issue policies without medical underwriting, ensuring access regardless of health. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance."

NEW QUESTION # 18
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