Bảo hiểm nhân thọ nhóm & Niên kimCâu 533 / 716
A central federal Affordable Care Act reform to individual and small-group health coverage was to:
a.Remove all preventive care from coverage
b.Prohibit denying coverage or charging more due to pre-existing conditions and require coverage of essential health benefits
c.Allow insurers to impose lifetime dollar limits on benefits, which is the opposite of what the law did, since it banned such lifetime limits
d.Permit denial of coverage for people with prior illnesses
Giải thích
The ACA prohibits insurers in the individual and small-group markets from denying coverage or charging higher premiums because of pre-existing conditions, and it requires plans to cover a set of essential health benefits. It did the opposite of allowing lifetime limits (it banned them), did not permit denial for prior illness, and expanded rather than removed preventive care (which many plans must cover at no cost sharing). Guaranteed issue and essential health benefits are hallmark ACA consumer protections.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Câu hỏi liên quan cùng chủ đề
- Federal COBRA continuation generally allows an eligible employee who loses group health coverage to:
- In addition to retirement income, the federal Social Security program also provides:
- Under the federal Affordable Care Act, adult children may generally remain covered on a parent's health plan until they reach age:
- To be 'fully insured' for Social Security retirement benefits, a worker generally needs:
- Social Security survivor benefits may be paid to:
- Social Security disability benefits use a strict definition: the worker must be unable to engage in ______ due to a medically determinable impairment expected to last at least 12 months or result in death:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Life & Health Insurance License Exam · Quy trình kiểm tra
Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)