Employer Group Health Insurance 2020

Which term is defined as the insuring of too many high risk insureds?

Which of the following statements is NOT true about group health insurance underwriting?

Regarding group health insurance underwriting, coverage is guaranteed issue. What does that mean?

For group health insurance, there needs to be a certain level of participation. What does that mean?

Which of the following statements is NOT true about group health insurance underwriting?

All employers, with how many employees, must offer group health insurance coverage to all full-time employees?

When an employer offers coverage to employees, it must also offer coverage for the employee’s children up to what age?

Each year there is a period of time when all group health insurance options are presented to the employees, and they are able to change coverage for themselves and their dependents. What is this period of time called?

There is a rule that employees covered by group health insurance are not able to make any coverage changes for themselves or dependents outside the annual group open enrollment period. As it relates to this rule, which of the following statements is FALSE?

What is conversion of coverage?

When an employee starts a new job, the employees’ group health insurance benefits do not start until after this initial employment period (usually somewhere between 30-90 days) is over. This period of time is called what?

When someone has medical expenses covered by more than one health insurance plan, there needs to be rules to determine which one is primary (pays first), which one is secondary (pays second), and how much is covered by each. These rules are called what?

If a dependent child is covered by both parent’s group health insurance plan, which rule is used to determine which plan is primary and secondary?

Employees are not able to make any coverage changes for themselves or dependents outside the annual open enrollment period. Exceptions are made for qualifying life events, such as marriage, birth or adoption of a child, divorce, death of a spouse or child, or spouse’s loss of or change in employment. Coverage changes can be made throughout the year, but they must be made within how many days of a qualifying life event?