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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
| Topic 1: Marketing Practices | 8-12% | - Advertising guidelines
- Producer responsibilities
- Marketing regulations
- Prohibited practices
|
| Topic 2: Social Insurance Programs | 8-12% | - CHIP (Children's Health Insurance Program)
- Social Security disability benefits
- Medicaid programs
- Medicare Part A, B, C, D
|
| Topic 3: Types of Health Insurance Policies | 20-25% | - Dental and vision insurance
- Individual health insurance
- Disability income insurance
- Medicare and Medicaid
- Long-term care insurance
- Group health insurance
|
| Topic 4: Maryland Insurance Laws and Regulations | 20-25% | - Privacy and confidentiality requirements
- Producer licensing requirements
- Maryland Insurance Code
- Consumer protection regulations
- Violations and penalty provisions
- Unfair claim settlement practices
|
| Topic 5: Field Underwriting and Application Process | 8-12% | - Agent responsibilities in enrollment
- Application procedures
- Risk classification
- Medical underwriting
|
| Topic 6: Policy Provisions and Clauses | 18-22% | - Coverage terms and conditions
- Exclusions and limitations
- Benefit periods
- Preexisting condition clauses
- Waiting periods
- Deductibles and copayments
|
Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
Which of the following is NOT a mandated benefit in Maryland?
- A. Treatment of mental illness
- B. Treatment of substance abuse
- C. Weight reduction programs
- D. Hearing aids for children
Reveal Solution
Discussion
Correct Answer: C 🗳️
Explanation: Only visible for TestPDF members. You can sign-up / login (it's free).
If an insurer pays an individual accident and health insurance claim during a policy's grace period:
- A. The amount of unpaid premium may be subtracted from the reimbursement
- B. The policy is canceled automatically at the end of the grace period
- C. The deductible is waived
- D. A 10% service fee is charged
Reveal Solution
Discussion
Correct Answer: A 🗳️
Explanation: Only visible for TestPDF members. You can sign-up / login (it's free).
Medicare Supplement insurance is specifically designed for individuals who:
- A. Have low incomes and limited assets
- B. Are ineligible for coverage under an employer group accident and health plan
- C. Cannot obtain commercial coverage due to health problems
- D. Have enrolled in Medicare
Reveal Solution
Discussion
Correct Answer: D 🗳️
Explanation: Only visible for TestPDF members. You can sign-up / login (it's free).
The phrase, "this policy pays $1,800 for hospital room and board expenses," should include the:
- A. Maximum daily benefit and the maximum time limit for hospital room and board expenses
- B. Minimum daily benefit and the minimum time limit for hospital room and board expenses
- C. Minimum daily benefit and the maximum time limit for hospital room and board expenses
- D. Maximum daily benefit and the minimum time limit for hospital room and board expenses
Reveal Solution
Discussion
Correct Answer: A 🗳️
Explanation: Only visible for TestPDF members. You can sign-up / login (it's free).
Medical expense insurance typically EXCLUDES coverage for treatment of:
- A. Eating disorders
- B. Undiagnosed diseases
- C. Chronic back pain
- D. Intentionally self-inflicted injuries
Reveal Solution
Discussion
Correct Answer: D 🗳️
Explanation: Only visible for TestPDF members. You can sign-up / login (it's free).
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