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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Web-Based Practice Program

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q103-Q108):

NEW QUESTION # 103
Preferred provider organizations (PPOs) encourage patients to use specified hospitals by:

A. Offering greater coinsurance percentages
B. Making public service announcements
C. Extending days of hospitalization coverage
D. Offering outpatient diagnostic coverage

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* PPOs incentivize use of in-network providers (e.g., specified hospitals) by offering higher coinsurance percentages (D), meaning the insurer pays a larger share of costs (e.g., 80% vs. 60% out-of-network).
* Option A (announcements) is not a direct incentive.
* Option B (diagnostic coverage) applies broadly, not specifically to in-network use.
* Option C (extending hospital days) is not a typical PPO feature.
The Virginia study guide notes that PPOs encourage in-network use through financial incentives like higher coinsurance or lower out-of-pocket costs, distinguishing them from HMOs. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."

NEW QUESTION # 104
Nearly all citizens of the U.S.A., regardless of age, are eligible for Medicare Part B if they are:

A. Eligible for Medicare Part A
B. "Fully insured" under Social Security
C. Retired permanently
D. Uninsurable through commercial insurers

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Medicare Part B eligibility generally requires enrollment in or eligibility for Part A (B), which covers hospital insurance and is tied to age (65+) or disability status, not just retirement (A) or insurability (C).
* "Fully insured" under Social Security (D) relates to benefits but isn't a direct Part B requirement.
The Virginia study guide states that Medicare Part B is available to those eligible for Part A, typically U.S.
citizens or residents aged 65 or disabled, regardless of other factors. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Eligibility."

NEW QUESTION # 105
What are long-term care insurance "ADL's"?

A. Activities of daily living
B. Aggregate dollar limits
C. Aggregate days limitation
D. Approved doctor lists

Answer: A

Explanation:
Virginia Code § 38.2-5200 defines ADLs (Activities of Daily Living, option C) as essential tasks-e.g., bathing, dressing, eating-used to determine LTC benefit eligibility (typically inability to perform 2 of 6).
Option A (aggregate dollar limits) refers to coverage caps, not ADLs. Option B(aggregate days limitation) might confuse with elimination periods, not ADLs. Option D (approved doctor lists) relates to provider networks, not functional criteria. The study guide likely details ADLs with examples-e.g., needing help with mobility-emphasizing their role in claims, making C the correct term.

NEW QUESTION # 106
All of the following are types of insurance policy exchanges that can be made without current taxation EXCEPT:

A. The exchange of an annuity for a life insurance policy
B. A life insurance policy exchanged for another life policy
C. The exchange of a life insurance policy for an annuity
D. An annuity exchanged for another annuity contract

Answer: A

Explanation:
Under IRC § 1035, certain insurance exchanges avoid immediate taxation: option B (life to annuity), option C (annuity to annuity), and option D (life to life) qualify if like-kind and properly executed, deferring gains.
Option A (annuity to life) isn't permitted tax-free; annuities (income-focused) and life insurance (death- benefit-focused) aren't "like-kind," triggering taxable gain recognition. Virginia Code § 38.2-3100 et seq.
aligns with federal tax rules. The study guide likely explains § 1035 exchanges with examples-e.g., swapping a $50,000 life policy for an annuity tax-free (B)-noting A's taxable status due to product mismatch, making it the exception.

NEW QUESTION # 107
To cancel a health insurance policy, which one of the following must the insured do?

A. Challenge at least two uniform mandatory provisions
B. Replace the current policy with another
C. Notify the insurer in writing

Answer: C

Explanation:
Virginia Code § 38.2-3508 governs cancellation of individual health insurance policies. For the insured to cancel, they must notify the insurer in writing (option A), specifying intent to terminate, typically effective upon receipt or a stated date, per policy terms. This formal notice ensures clarity and protects both parties, aligning with contract law principles. Option B (replace with another policy) is a practical choice but not a legal requirement; cancellation can occur without replacement. Option C (challenge mandatory provisions) is nonsensical; uniform provisions (e.g., grace period, per § 38.2-3503) are standard and unrelated to cancellation. The study guide likely outlines this process in a policyholder rights section, with examples-e.
g., a letter stating "Cancel effective 5/1/2025"-emphasizing written notice as the sole requirement, making A the correct action.

NEW QUESTION # 108
......

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