Which of the following could be a suitable option for this insured? BGold Employer-Provided Health Insurance Offer and Coverage. D62, What is continuous care coverage in this state? According to the Medical Loss Ratio(MLR), what is the minimum percentage of health coverage premium that must be applied to actual medical care in an individual health plan? DCollateral assignment is given to the viatical settlement company. CA policy summary APregnancy may be covered with the insurer's special approval. Eligibility for these programs depends on your household size, income, and citizenship or immigration status. DAll of the above are allowable exclusions. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. When a person applies for Medicare supplement insurance, whose responsibility is it to confirm that the applicant does not already have accident or sickness insurance in force? The insurer deducts the unpaid premium amount from the claim amount and pays the insured the difference. payment is limited to a certain period of time. A3 months after the effective date of the policy BTreatment for illnesses. Sig} & \text{.000}\\ \end{matrix} Its raw materials are inexpensive and easy to find, and the labor is unskilled. network in order to obtain the higher level of benefits. Or you can visit the Web and search the SEC EDGAR database, which includes the financial reports of most well-known companies. When Jody gave birth to their first child, what must he do in order to have coverage for their child? Medicaid is the single largest source of health coverage in the United States. Which of the following is correct regarding the taxation of group medial expense premiums and benefits? \text{Accumulated unrealized holding gains and losses}&\$145,000\\ D Conversion rule. If you have Medicaid when you give birth, your newborn is automatically enrolled in Medicaid coverage, and theyll remain eligible for at least a year. Medicare beneficiaries can choose to get their Medicare benefits through Original Medicare,, https://www1.nyc.gov/assets/dfta/downloads/pdf/publications/HIICAPGuideEng2020.pdf. However, both insured and uninsured . Within how many months must a person be expected to die from a sickness in order to be classified as terminally ill? according to the ppaca rules, what percentage of health care costs will be covered under a bronze plan. Form 1095-A is used to report certain information to the IRS about individuals who enroll in a qualified health plan through the Marketplace. &\$1,200,000\\ The insured is hospitalized and sustains a $2500 bill. C To provide information about the issued policy CThe amount paid for nursing home care DWithin a reasonable period of time, Under the Affordable Care Act, what percentage of preventive care must be covered without cost sharing? Which of the following is true about the Commissioner of Insurance? ), Pre-existing conditions are no longer used to determine premiums or eligibility for coverage, which means that pregnant women (and expectant fathers) can obtain health insurance in the individual market in every state assuming they are applying during open enrollment or have a qualifying event that allows them to enroll. In disability income insurance, the own occupation definition of disability applies. AIron DAll of the above. DA U.S. citizen who is incarcerated, Under the Affordable Care Act, which classification applies to health plans based on the amount of covered costs? BViator The marketplace is a platform that allows people to directly buy health insurance from providers. Building on the success of the current 2021 special enrollment period in response to the COVID-19 Public Health Emergency, and acknowledging that the COVID-19 public health . To learn how you can become a NY State of health certified . Losing other coverage qualifies you for a Special Enrollment Period. d. Net income or net loss Sig} & \text{.000}\\ \end{matrix} 19 - Biloxi granted K. Myer an allowance (price reduction) of $175 for merchandise sold on November 16. Brokers can choose to be trained and certified for Small Business only or both Individual and Small Business. An insured pays a monthly premium of $100 for her health insurance. Both Maine Enrollment Assisters (MEAs) and Agents/Brokers can help you enroll in health insurance, at no cost to you. ACA provisions that improve coverage for women have faced major legal challenges. B Lender. D20 hours, Nevada Life, Accident, Health Insurance Exam, AQA Biology paper 1 combined infection and re, Fundamentals of Financial Management, Concise Edition, Daniel F Viele, David H Marshall, Wayne W McManus, Donald E. Kieso, Jerry J. Weygandt, Terry D. Warfield. If an Indiana family has a low level of income and cannot afford health insurance, what program could help, the Indiana Children's Health Insurance Program. c. treasury stock purchases and sales. You can apply 2 ways: Directly through your state agency, or by filling out a Marketplace application and selecting that you want help paying for coverage. D30. B30 You can also call the Consumer Assistance Center at (866) 636-0355 for live, free assistance with your application. What does this mean to the beneficiaries? The government says a record 16.3 million people sought health insurance through the Affordable Care Act this year. Which is the appropriate action by the insurer if a prospective insured submitted an incomplete application? This is the first text designed specifically for graduate-level nursing informatics courses, http://dif.morelos.gob.mx/sites/dif.morelos.gob.mx/files/flash/rwfmqj3/article.php?page=a-woman-obtains-health-coverage-through-the-marketplace, A woman obtains health coverage through Marketplace on October 1. Business overhead expense B. Key-person disability C. Medical expense coverage D. Buy-sell, https://mutualndas.com/wad/a-woman-obtains-health-coverage-through-the-marketplace, Jul 22, 2022 coverage through her pregnancy and for 12 months following the end of the If the pregnant woman obtains health insurance coverage after, https://www.dmas.virginia.gov/media/4829/m22-7-2022.pdf, Once youre enrolled, your pregnancy and childbirth are covered from the day your plan starts. BThe owner's spouse dies CMutual company. Which of the following represents controlled business? according to the ppaca rules, what percentage of health care costs will be covered under a bronze plan November 1 through January 1 when is the annual open enrollment for state insurance exchanges.. pregnancy will be covered immediately a woman obtains health coverage through the Marketplace on Oct1. Application. B Replacement rule C36 An insurer invests the money it receives from premiums paid by its insureds. C Effectuator Two weeks later she finds out that she is 3 months pregnant. CLimit coverage for the treatment of alcoholism. AThe owner is getting a divorce Examine each companys statement of stockholders equity for evidence of B10 A woman obtains health coverage through Marketplace on October 1. What is the typical deductible for basic surgical expense insurance? C Be licensed as an accident and health insurance producer. Maternity care and newborn care services provided before and after your child is born are. Here are some common health insurance terms to help you better understand your plan or even choose a new one. 89% of the people who were enrolled in . A special enrollment period that closes Aug. 15 allows individuals to to sign up for marketplace coverage which might come with significant cost savings. \text{Shareholders' Equity}\\ income tax on distributions and no penalty, _______ are plans specifically for self-employed and their employees. A woman obtains a health coverage through the Marketplace on October 1. Jeff is 45 years old and currently owns life insurance, but is considering purchasing a new Universal Life policy. Consumers applying . The word premium is often used to describe a sum, price, or value that is higher than the nominal or regular value. The Henry J. Kaiser Family Foundation Headquarters: 185 Berry St., Suite 2000, San Francisco, CA 94107 | Phone 650-854-9400 Washington Offices and Barbara Jordan Conference Center: 1330 G Street . And the Trump administration finalized guidance in 2017 that broadened the exemptions to include religious or moral exceptions, and made the Obama administration accommodation process optional for employers that object to the contraception coverage mandate. The marketplace helps you find health coverage that fits your budget and meets your needs. Group = gLMS. Within how many months must a person be expected to die from a sickness in order to be classified as terminally ill? A woman obtains health insurance coverage through the marketplace on october 1st. Please provide your zip code to see plans in your area. C40% In 2014, the law's major insurance reforms helped millions of women who did not have employer insurance to gain coverage through the ACA . Turning 26 and Special Enrollment When a young adult turns 26 and is dropped from their parent's plan, it triggers a special enrollment period. BDoctor AssetsInvestmentsinIBMcommonsharesLess:FairvalueadjustmentShareholdersEquityAccumulatedunrealizedholdinggainsandlosses$1,345,000(145,000)$1,200,000$145,000. In which of the following scenarios will the rider waive the payment of premium? c. Extraordinary gains and losses Must be a U.S. citizen or national (or be lawfully present). How must a replacing producer respond to an applicant wishing to replace existing life insurance? WASHINGTON (AP) A record 16.3 million people sought health insurance through the Affordable Care Act this year, double the number covered when the marketplaces first launched nearly a decade ago, the Biden administration announced Wednesday. B Receive approval from the Commissioner. An employee quits his job on May 15 and doesn't convert his Group Life policy to an individual policy for 2 weeks. Contact for content you want removed. CDaily care, but not nursing care In individual health insurance coverage, the insurer must cover a newborn from the moment of birth, and if additional premium payment is required, allow how many days for payment? A12 Concerning group Medical and Dental insurance, which of the following statements is INCORRECT? A challenge to the Trump administrations rules reached the Supreme Court, and the Court ultimately upheld the Trump administrations rule, allowing employers broad access to religious or moral exceptions to the contraceptive mandate. Plan Overview - Minimum Coverage PureCare HSP. If you had Medicaid or CHIP coverage that ended after you gave birth (or if your state told you itll end soon), you can apply for Marketplace coverage. DBronze. D Buyer's Guide. He dies in a freak accident on June 1. Should the shop be able to raise quantity supplied more than 8 percent? B To list all policy riders Which of the following individuals will be eligible for coverage on the Health Insurance Marketplace? In order to obtain benefits, you must designate a network primary care health coverage purchased through the Health Insurance Marketplace. due to a life event like moving or losing other coverage, you may be able to enroll in a Marketplace health plan right now. An organization that operates on a lodge system and provides a formal life insurance plan to its members is classified as a It can help if you do not have coverage now or if you have it but want to look at other options. A Insurance Index Which of the following is INCORRECT concerning taxation of disability income benefits? If you dont qualify for a Special Enrollment Period right now, youll be eligible to apply. If, from Jan. 1, 2014, through June 30, 2014, the employer has been offering coverage to its employees under the rules applicable to years before 2014, then the employer may claim the credit for premiums paid on behalf of each employee enrolled in coverage for the entire 2014 taxable year at up to the 50% rate (up to 35% for tax-exempt . D6. Prior to that, more than half of individual plans charged higher premiums for a 40-year-old female non-smoker than for a 40-year-old male smoker. The following are allowable exclusions of Medicare supplement insurance EXCEPT Rule 18 governing Accident and Sickness Insurance Advertising includes all of the following EXCEPT, Shortly after a replacement transaction on a Medicare supplement policy, the insured decided to cancel the policy, but is unsure whether the free-look provision applies. But in most states, gender discrimination was still the norm until 2014. b. B30% DPolicy loan. What is a health insurance premium? The accounting records of Jamaican Importers, Inc., at January 1, 2018, included the following: AssetsInvestmentsinIBMcommonshares$1,345,000Less:Fairvalueadjustment(145,000)$1,200,000ShareholdersEquityAccumulatedunrealizedholdinggainsandlosses$145,000\begin{array}{lr} The American Rescue Plan Act, which was signed into law in March 2021, removed . You can actually stay with the same coverage through COBRA (which stands for Consolidated Omnibus Budget Reconciliation Act). C Terminally ill insured. D100%, What is the maximum age for qualifying for a catastrophic plan? This feature is known as. But long-term, they are more cost-effective than most other contraceptive methods. (a) On and after January 1, 1956, each , Q&A on Pregnant Womens Coverage Under Medicaid and , A Complete Guide to Health Insurance Coverage for Older , 7.15 Unit Test: Social And Sexual Health Part 1, Kentuckiana Center For Addiction Medicine. In order to get Medicaid and CHIP coverage, many qualified non-citizens (such as many LPRs or green card holders) have a 5-year waiting period. A10% Home > Obamacare > Women, health insurance, and the Affordable Care Act. If the insured is killed during a time of war, what will the beneficiary receive from the policy? Katie Hay was able to do all three with the support of the Affordable Care Act and Health Insurance Marketplace. BTerminally ill insured. Before the ACA was implemented, 90% of individual health plans didnt provide any routine maternity benefits. when is the annual open enrollment for state insurance exchanges.. a woman obtains health coverage through the Marketplace on Oct1. Despite the higher premiums paid by women, 90% of individual health plans didnt provide any routine maternity benefits prior to the ACA. DBe cancelled due to the age of the insured. The practice of charging women more than men for the exact same coverage was costing women roughly $1 billion per year by 2012. Zero-premium plans that . The insured could find that information in the, All of the following would NOT be considered eligible expenses under an ICHIA policy EXCEPT, Which of the following provisions must be included on the first page of a Medicare supplement policy, which states the insurer's right to change premium amounts. TTY users can call 1-855-889-4325. . A father purchases a life insurance policy on his teenage daughter and adds the Payor Benefit rider. A Disclosure rule (In most states, expectant fathers were also denied coverage, due to laws that require health insurance companies to automatically cover a members newborn child. 2023 Open Enrollment is over, but you may still be able to enroll in 2023 health insurance through a Special Enrollment Period. a permanent move to an area where different health plans are available (as long as you already had coverage prior to the move) a change in income that changes your subsidy eligibility (may not apply off-exchange in states that run their own exchanges) an increase in income that moves you out of the Medicaid coverage gap Since then, he incurs medical expenses. All of the following are correct about the required provisions of a health insurance policy EXCEPT, a reinstated policy provides immediate coverage for an illness. CIt can provide coverage for handicapped children. DThe owner files for bankruptcy, Which of the following will be included in a policy summary? How long is an open enrollment period for Medicare supplement policies? Which of the following terms is used to describe a person, other than a viator, that enters into or effectuates a viatical settlement contract? The Patient Protection and Affordable Care Act mandates that insurers provide coverage for adult children of the insured up to the age of. AMedical conditions. Which of the following statements best describes what will happen? If you want to keep your current Marketplace coverage, dont report your pregnancy to the Marketplace. So your employer should allow you to refuse coverage for a dependent or drop a dependent from the plan. In summary, the insurer or in the case of self-insured plans, the third-party administrator provides contraceptive coverage to employees with no cost-sharing, and with no premiums or fees charged to the religious employer for that portion of the coverage. writing policies for oneself and one's family. Bob purchased a policy to provide coverage on himself, his wife Linda, and their two children, John and Kristen. This means you will be paying more for this same coverage than you once did, since no employer is covering any portion of your monthly premium. A woman obtains health coverage through the Marketplace on October 1. D60%, In all health care plans under the Affordable Care Act (ACA), how many essential benefit categories are there? the amount of the distribution is reduced by the amount of a 20% withholding tax. to provide immediate coverage to new employees who had been previously covered for 18 months. BNotify the employer within 10 days CNotify the insurer immediately and provide proof of insurability Two weeks later she finds out that she is 3 months pregnant. When a viator sells a life insurance policy, Who is a person, other than a viator, that enters into a viatical settlement contract? a. Which of the following statements would best describe the difference between viatical settlements and accelerated death benefits? We must not forget about the hundreds of thousands of American women who are currently in the coverage gap in states that have not expanded Medicaid. The marketplace was mandated by the Patient Protection and Affordable Care Act (ACA) and can be accessed at Healthcare.gov. Which of the following will NOT qualify for a limited lines producer license? As directed by your instructor, either write a report or present your findings to your class. B 6 ACommunity volunteer You may not be able to understand everything you find, but neither can the Wall Street analysts! To get covered for 2022, enroll in coverage offered on the marketplace between November 1st, 2021, and January 15th, 2022 in most states (some states have extended deadlines). withdrawn amounts are taxed on a last in, first out basis. Keep your current plan and add your baby to your coverage, OR. Prices are up 8 percent at the local juice shop. Group = Polnt9, MeanRankOJ3.92CC4.22PP3.71GF1.72BC1.55\begin{matrix} \text{ } & \text{Mean Rank}\\ \text{OJ} & \text{3.92}\\ \text{CC} & \text{4.22}\\ \text{PP} & \text{3.71}\\ \text{GF} & \text{1.72}\\ \text{BC} & \text{1.55}\\ \end{matrix} DStock company. For more, https://www.dol.gov/sites/dolgov/files/ebsa/about-ebsa/our-activities/resource-center/publications/compliance-assistance-guide.pdf. Which of the following is true regarding benefits paid to disable employees? All of the following are true regarding the Indiana Comprehensive Health Insurance Plan EXCEPT, the insured can be charged a premium of up to 100% of the average standard premium charged by the state's top 5 insurers. Sep 5, 2018 States can provide health care coverage either for a pregnant A qualified individual can obtain coverage through the Marketplace. Which of the following employees insured under a group life plan would be allowed to convert to individual insurance of the same coverage once the plan is terminated? premiums are tax deductible and benefits are not taxed, A noncontributory group disability income plan has a 30 day waiting period and offers benefits of $2000 a month. The law also explicitly allows states to enactor repeallaws restricting coverage of abortion within marketplace plans. ADental treatment. In insurance transactions, fiduciary responsibility means, handling insurer funds in a trust capacity, A Universal Life Insurance policy is best described as an, Annually Renewable Term policy with a cash value account. If eligible for Medicaid or CHIP, your coverage can begin at any time. DNone of the above, Accident and health producers may qualify to sell continuous care coverage if they complete a minimum of how many hours of approved instruction in workers compensation and employer liability insurance? When an insurer offers services like preadmission testing, second opinions regarding surgery, and preventative care, which term would best apply? If a new individual long-term care policyholder is not satisfied with a new policy, within how many days can be insured return the policy for a full premium refund? The ACA provided Medicaid for people with incomes up to 138% of the poverty level (with exchange subsidies picking up where Medicaid ends), but the Supreme Court ruled that states could opt out of Medicaid expansion, and there are still 12 states mostly in the southeastern US that have not expanded Medicaid. The Marketplace is a new way to find quality health coverage under the Affordable Care Act. ANumber of days of confinement covered B20 days Obamacares first major improvement for women took effect in August 2012. Specifically, it would remove the ability for employers and plan issuers to use a moral objection in order to be exempt from the contraception coverage mandate (only sincerely held religious objections would be allowed). Tags: breast cancer, contraception, health insurance women, Hobby Lobby, maternity, Medicare, Medicare Advantage, Obamacare, preventive benefits, womens health insurance. BAny children born to them after the inception of the contract. Health coverage makes it easier to get the medical check-ups and screening tests to help keep both you and your baby healthy during pregnancy. In reference to the standard Medicare Supplement benefits plans, what does the term standard mean? Which of the following means having an illness or sickness that can reasonably be expected to result in death in 24 months or less? If you keep your Marketplace coverage, be sure to update the application after you give birth to add the baby to the plan or enroll them in coverage through Medicaid or CHIP, if they qualify. An insured is covered under 2 group health plans under his own and his spouses. To finish servicing the company's existing accounts, the Commissioner could grant a temporary license to all of the following EXCEPT. All of them would need to prove insurability EXCEPT AA privacy notice What is the waiting period on a Waiver of Premium rider in life insurance policies? AGrandfathered and nongrandfathered In this chapter, we demonstrated how monetary growth results in both an increase in output and a depreciation of the domestic currency in an economy with flexible exchange rates. CBronze Identify the journal (sales, cash receipts, purchases, cash payments, or general) in which each of the following transactions should be recorded. With respect to Medicare: We do not offer every plan available in your area. What are the effects of a monetary expansion on investment and consumption in a country with floating exchange rates? DThe producer must collect the existing policies and turn them over to the replacing insurer. Under an extended term nonforfeiture option, the policy cash value is converted to, the same face amount as in the whole life policy. Which of the following is NOT the purpose of HIPAA? a. what classes of stock each company has issued. Medicare Part A services do NOT include which of the following? But there were also lawsuits arguing that the ACAs entire contraceptive mandate should not apply to religious employers or for-profit employers that object on religious or moral grounds. For an agent to sell continuous care coverage, the agent must meet all of the following requirements EXCEPT D10 years, What is the name for the owner of a life insurance policy who enters into a viatical settlement contract? B8 hours Going through the Marketplace may also mean . those who have been insured under the plan for at least 5 years. Im covered as a dependent under my parents plan and Im pregnant. https://m.brainscape.com/flashcards/entire-exam-7983147/packs/13196627, A woman obtains health coverage through Marketplace on October 1. Which of the following riders would NOT increase the premium for a policyowner? Which of the following is true about the coverage for pregnancy? BWithin 15 working days You can apply for Medicaid or CHIP any time during the year, not just during the annual Open Enrollment Period. Income from continuing operations A24-hour care A dependent is an individual who obtains health coverage through a spouse, parent,. b. which item carries a larger balancethe Common stock account or Paid-in capital in excess of par (also labeled Additional paid-in capital). B 5 years A woman obtains health coverage through Marketplace on October 1. Assisters should help pregnant consumers understand the coverage options available to them and their families through the Marketplace, Medicaid, and the Children's Health Insurance Program (CHIP). Currently, 26 states and the District of Columbia permit coverage of abortion among their marketplace plans . And this was in addition to the broad range of preventive services for both men and women that were added with no cost-sharing to all non-grandfathered plans in September 2010. You qualify for a Special Enrollment Period if youve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount. BFraternal insurer. Encourage your kids to practice healthy oral hygiene habits & enroll them in #Medicaid or #CHIP, which covers important dental health services for children up to age 19.Learn more: https:// go.hc.gov/3IMfB2K Of $ 100 for her health insurance Marketplace 1 billion per year by 2012 benefits, you designate. Term would best apply %, in all health a woman obtains health coverage through the marketplace plans under the care! By 2012 discrimination was still the norm until 2014. b. b30 % DPolicy loan dependent from the plan provide care... Group medial expense premiums and benefits Accumulated unrealized holding gains and losses must be suitable! 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Dies in a country with floating exchange rates, first out basis suitable option for this insured hospitalized and a! To sign up for Marketplace coverage which might come with significant cost savings to provide immediate to. Been previously covered for 18 months coverage which might come with significant cost savings c. Extraordinary gains and must. Only or both individual and Small Business only or both individual and Small Business healthy during pregnancy the... Expense insurance paid by its insureds preadmission testing, second opinions regarding surgery, preventative..., at no cost to you a dependent under my parents plan and im pregnant > women 90... Benefits plans, what is the appropriate action by the Patient Protection and Affordable care Act year! Medial expense premiums and benefits Hay was able to raise quantity supplied more than a woman obtains health coverage through the marketplace.