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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q29-Q34):
NEW QUESTION # 29
It is unlawful for a person to provide an advertisement that:
- A. Refers to the insurer's financial rating
- B. Makes a comparison of benefits between policies
- C. Uses a policy title to misrepresent a coverage
- D. Points out coverage advantages of a policy
Answer: C
Explanation:
Advertisements (Insurance Article, § 27-503) can highlight advantages or ratings if true, but misrepresenting coverage via a title is illegal, deceiving consumers about policy benefits.
References:Maryland Insurance Article, § 27-503; MIA advertising standards.
NEW QUESTION # 30
Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?
- A. Major medical expense
- B. Long-term disability
- C. Long-term care insurance
- D. Medicare supplement
Answer: C
Explanation:
Long-term care insurance (Insurance Article, § 18-101) triggers benefits based on inability to perform ADLs (e.g., bathing), unlike Medigap, major medical, or disability, which focus on medical or work criteria.
References:Maryland Insurance Article, § 18-101; MIA long-term care rules.
NEW QUESTION # 31
In Maryland, a group accident and health certificate of insurance must contain:
- A. A summary of policy features and benefits
- B. A list of all participating physicians
- C. A copy of the group contract
- D. The insurer's financial statement
Answer: A
Explanation:
Certificates (Insurance Article, § 15-1207) summarize policy features and benefits for group members, not the full contract, physician lists, or financial statements, which are separate or irrelevant. This ensures employees understand their coverage.
References:Maryland Insurance Article, § 15-1207; MIA group insurance rules.
NEW QUESTION # 32
All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:
- A. Immunizations
- B. Outpatient prescription vitamins
- C. Routine physical examinations
- D. Hearing tests
Answer: B
Explanation:
Medicare Supplement (Medigap, Insurance Article, § 15-901) covers preventive services like immunizations, hearing tests (if Medicare-eligible), and physicals, but outpatient prescription vitamins aren't a standard benefit under Medicare or Medigap.
References:Maryland Insurance Article, § 15-901; CMS Medigap guidelines.
NEW QUESTION # 33
The waiver of premium provision in a disability income policy provides that premiums will be waived during:
- A. The elimination period
- B. The grace period
- C. The disability benefit period
- D. The time limit on certain defenses
Answer: C
Explanation:
The waiver of premium provision (Insurance Article, § 15-201) waives premiums during the disability benefit period-when benefits are paid-easing financial strain. The elimination period requires premium payment, the grace period is for late payments, and the time limit on defenses relates to incontestability, not waivers.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.
NEW QUESTION # 34
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