团体寿险与年金第 533 / 716 题
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
解析
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.
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同考点相关题目
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)