NY Adjusters - Health

What test uses a large, powerful magnet and radio waves to create a similar picture without exposing the patient to radiation?

• CAT scan
• ultrasound
• MRI
• Rorschach test

What is the medical term for a condition in which the blood vessels have persistently raised pressure, also known as high blood pressure?

• hypertension
• hypotension
• hypochondriasis
• hypercalcemia

What policy pays out a lump-sum upon confirmed medical diagnosis to help cover all or part of the costs associated with a specified critical illness.

• Accident Insurance
• Term Life Insurance
• Major Medical
• dread disease

Which of the following would not qualify as a "sickness"?

• pregnancy
• Lyme disease
• Bipolar disorder
• Cardiovascular disease

If a claimant wants to file suit against her insurer with regard to a health insurance claim, she must do so within __________ of submitting a proof of loss form

• 3 years
• 2 years
• 5 years
• 1 year

If John becomes disabled in March, when can he start receiving Social Security disability benefits?

• June
• September
• March
• July

By law, insurers selling health insurance policies that only cover a specific type of loss must:

• require the insured’s signature on the policy to be notarized.

• require the insured to sign an affidavit stating they fully understand the narrow scope of the policy.

• allow the insured 20 days to review the policy before it becomes effective.

• print on the first page of each policy, “This is a limited policy.”

Answer explanation

Because limited polices are so narrow in their scope of coverage, insurers are required by law to notify the insured of the limitation by clearly stating on the first page of the policy: “THIS IS A LIMITED POLICY.”

John needs long-term care after a botched surgery outside the US left him paralyzed from the chest down. Which of the following would be covered by John's insurance?

• Home Convalescent Care

• none

• Skilled Nursing Care

• Custodial Care

Answer explanation

Long-term care policies do not provide coverage when the need for care is caused by medical care received outside the United States.

All of the following are coverages available in a long-term care policy, EXCEPT:

• Child Care
• Respite Care
• Adult Day Care
• Home Health Care