Exam Code: InsNV_Health02
Exam Name: NV Accident and Health
Certification Provider: Insurance Licensing
Corresponding Certification: Nevada Insurance

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Insurance Licensing InsNV_Health02 Exam Overview:

Certification Vendor:	Nevada Division of Insurance / Pearson VUE
Exam Name:	NV Accident and Health
Exam Number:	InsNV_Health02
Real Exam Qty:	98 (88 scored + 10 pretest)
Exam Duration:	135 minutes
Certificate Validity Period:	The examination must be passed within 1 year before applying for the Nevada resident producer license; the Health producer license is subject to the applicable Nevada license renewal period.
Exam Price:	USD 37
Available Languages:	English
Exam Format:	Multiple choice, Computer-based examination, Two sections: General Knowledge and Nevada Specific
Passing Score:	70 scaled score
Related Certifications:	Nevada Resident Insurance Producer License Nevada Accident and Health Insurance Producer License
Sample Questions:	Insurance Licensing InsNV_Health02 Sample Questions
Exam Way:	Pearson VUE computer-based examination available at Pearson VUE test centers and through OnVUE online proctoring. Reservations should generally be made at least 24 hours in advance. The exam consists of 50 scored plus 5 pretest questions in the Accident & Health General Knowledge section and 38 scored plus 5 pretest questions in the Health Nevada Specific section.
Pre Condition:	For a Nevada resident producer applying for the Health line of authority, the candidate must pass the corresponding Nevada Insurance Producer examination. Nevada currently states that prelicensing education is not required for individuals applying for a producer license, although applicants may choose to take a preparatory course. After passing, the license application must be submitted within one year. The Nevada Division of Insurance also requires applicable licensing application, fingerprinting, and background-check requirements.

Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Accident & Health – General Knowledge	50%	- Types of Policies 1. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 2. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 3. Accidental death and dismemberment 4. Group insurance Differences between individual and group contracts General characteristics COBRA 5. Individual and Group Long Term Care Eligibility Levels of care 6. Medicare supplement policies 7. Medical expense insurance Basic hospital, medical, and surgical policies Major medical policies Health Maintenance Organizations Preferred Provider Organizations Point of Service plans Flexible Spending Accounts High Deductible Health Plans and Health Savings Accounts Health Reimbursement Accounts - Other Insurance Concepts 1. Cost containment 2. Workers Compensation 3. Managed care 4. Modes of premium payments 5. Tax treatment of premiums and proceeds of insurance contracts 6. Total, partial, recurrent, and residual disability 7. Nonduplication and coordination of benefits 8. Dependent children benefits 9. Occupational vs. non-occupational 10. Subrogation 11. Owner's rights 12. Primary and contingent beneficiaries - Social Insurance 1. Medicare Parts A, B, C, and D 2. Social Security benefits 3. Medicaid - Field Underwriting Procedures 1. Sources of insurability and HIPAA privacy information 2. Initial premium payment and receipt 3. Explaining policy provisions, riders, exclusions, and ratings 4. Completing the application 5. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 6. Submitting application and initial premium to company for underwriting 7. Replacement 8. Policy delivery - Policy Provisions, Clauses, and Riders 1. Other provisions and clauses Insuring clause Free look Consideration clause Probationary period Elimination period Waiver of premium Exclusions and limitations Preexisting conditions Coinsurance Deductibles Eligible expenses Copayments Pre-authorizations and prior approval requirements Usual, reasonable, and customary charges Lifetime, annual, or per cause maximum benefit limits 2. Riders Impairment and exclusions Guaranteed insurability Future increase option 3. Rights of renewability Noncancelable Cancelable Guaranteed renewable 4. Mandatory and optional provisions Entire contract Time limit on certain defenses Grace period Reinstatement Notice of claim Claim forms Proof of loss Time of payment of claims Payment of claims Physical examination and autopsy Legal actions Change of beneficiary Misstatement of age or gender Change of occupation Illegal occupation Relation of earnings to insurance
Topic 2: Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Hospice care - Long Term Care - Mandatory policy clauses and provisions 1. Coverage for preventive healthcare services 2. Coverage for newborn children 3. Coverage for physical handicap or intellectual disability for dependent children - Medicare 1. Prescription Drug Plan 2. Medicare Advantage Plans 3. Medicare supplement regulation - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Coverage for reconstructive surgery
Topic 3: Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Credit life and health insurance - Advertising - Group life and health insurance 1. Required provisions 2. Eligible groups
Topic 4: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Marketing Practices 1. Commissions and payment restrictions 2. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 3. Affordable Care Act 4. Required records and record retention 5. Fiduciary responsibilities 6. Silver State Health Insurance Exchange - Insurance Commissioner 1. Notice and hearings and penalties 2. General powers and duties 3. Examinations - Definitions 1. Premiums 2. Insurer 3. Cost-sharing 4. Certificate of authority 5. Domestic, foreign, and alien 6. Authorized and unauthorized 7. Transacting insurance - Nevada Life and Health Insurance Guaranty Association - Licensing 1. Name of licensee 2. Renewal and continuing education 3. Obtaining a license 4. Termination of license 5. Suspension, revocation, and refusal of license 6. Persons required to be licensed

Insurance Licensing NV Accident and Health Sample Questions:

1. Which of the following BEST describes Medicare Advantage Plans?

A) Government Subsidized private insurance
B) Long-Term care benefits rider added to basic Medicare benefits
C) Privately subsidized government insurance
D) Federally funded welfare benefit plans

2. A consumer wishes to purchase an insurance policy that covers pre-existing illnesses. The consumer contacted the producer who informed the consumer:

A) there are no out-of-pocket fees for persons with pre-existing conditions
B) there are no plans that cover pre-existing conditions
C) the consumer ' s pre-existing condition will not stop the consumer from enrolling in a Qualified Health Plan (QHP) on the Exchange
D) there are some health insurance plans that cover pre-existing conditions with a surcharge

3. For which of the following losses would an insurance company MOST likely pay benefits under an Accidental Death and Dismemberment policy?

A) Partial paralysis due to a stroke
B) Loss of life due to a heart attack
C) Loss of the spleen due to an accidental injury
D) Loss of eyesight due to an accidental injury

4. Which statement is true of a variable life insurance policy?

A) The cash value may fluctuate with separate-account investment performance.
B) The policyowner bears no investment risk.
C) The policy is always a temporary term policy.
D) The cash value is held only in the insurer's general account.

5. Under a typical coordination-of-benefits rule, a child is covered under both parents' group health plans.
Which plan is generally primary when the parents are married and neither plan contains an exception?

A) The plan with the highest deductible
B) The plan selected by the child each year
C) The plan of the parent whose birthday falls earlier in the calendar year
D) The plan that began most recently

Solutions:

Question # 1
Answer: A

Question # 2
Answer: C

Question # 3
Answer: D

Question # 4
Answer: A

Question # 5
Answer: C

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