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2025 Cost Effective Virginia-Life-Annuities-and-Health-Insurance Dumps - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Realistic Latest Exam Questions Vce Pass Guaranteed

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q102-Q107):

NEW QUESTION # 102
All of the following factors influence the underwriting of group health insurance for an association EXCEPT:

A. Marital status of the members
B. Type of trade or occupation of the association's members
C. Prior claims experience of the association
D. The average age of the membership

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Group health underwriting considers average age (A), claims history (B), and occupation type (D) to assess risk, but marital status (C) is typically irrelevant for group policies, unlike individual underwriting.
The Virginia study guide notes that group underwriting focuses on collective risk factors like age, claims experience, and occupation, not personal details like marital status. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Insurance Underwriting."

NEW QUESTION # 103
An agent or insurer who unknowingly violates insurance laws may be charged a maximum penalty of:

A. $750 per occurrence, with a cap of $10,000
B. $500 per occurrence, with a cap of $10,000
C. $1,500 per occurrence, with a cap of $10,000
D. $1,000 per occurrence, with a cap of $10,000

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* For unintentional violations in Virginia, the maximum penalty is $1,000 per occurrence, with an aggregate cap of $10,000 (C), per state insurance regulations.
* Options A, B, and D deviate from this standard penalty structure.
The Virginia study guide, per Virginia Code, sets unintentional violation penalties at up to $1,000 per act, with a $10,000 total cap, escalating for willful violations. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Penalties and Enforcement."

NEW QUESTION # 104
What is a condition for which medical advice or treatment was recommended by or received from a provider of health care service within six months preceding the effective date of an individual long-term care policy?

A. Covered illness
B. Pre-existing condition
C. Long-term care condition
D. Pre-determined risk

Answer: B

Explanation:
Virginia Code § 38.2-5205 mandates that long-term care (LTC) policies define pre-existing conditions, typically as conditions for which medical advice or treatment was recommended or received within six months before the policy's effective date. Option B (pre-existing condition) matches this definition exactly, as it identifies prior health issues that may affect coverage (e.g., exclusions or waiting periods). Option A (covered illness) is vague and implies a condition already insured, not necessarily pre-existing. Option C (long-term care condition) isn't a standard term; LTC policies cover specific needs (e.g., ADLs), not a category tied to this timeframe. Option D (pre-determined risk) suggests underwriting factors, not a specific medical history definition. The study guide likely details this six-month lookback as a common LTC standard, with examples like a recent stroke diagnosis, emphasizing disclosure requirements and potential coverage limits, confirming B as the answer.

NEW QUESTION # 105
In HMO coverage, preventive services include:

A. Home health services
B. Treatment for alcoholism
C. Rehabilitation therapy
D. Childhood immunizations

Answer: D

Explanation:
Health Maintenance Organizations (HMOs) in Virginia, per Virginia Code § 38.2-4306, emphasize preventive care to reduce long-term costs. Preventive services, as defined in the study guide and aligned with ACA standards, include childhood immunizations (option C), such as vaccines for measles or polio, offered at no cost to members. Option A (rehabilitation therapy) is restorative, not preventive, addressing existing conditions. Option B (treatment for alcoholism) is a treatment service, not prevention, though HMOs cover it separately. Option D (home health services) supports recovery or chronic care, not primary prevention. The study guide likely lists immunizations as a core preventive benefit, contrasting them with treatment-oriented services, confirming C as the correct answer.

NEW QUESTION # 106
Who normally bears the cost of excess charges in a Medicare claim?

A. The insured
B. The Social Security Administration
C. The Centers for Medicare & Medicaid Services
D. The service provider

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Excess charges in Medicare occur when a provider charges more than the Medicare-approved amount, and the insured (D) is responsible for the difference unless covered by supplemental insurance.
* The Social Security Administration (A) and CMS (B) administer Medicare, not pay claims.
* Providers (C) may charge excess but don't absorb it unless they accept assignment.
The Virginia study guide explains that Medicare beneficiaries bear excess charges unless a provider accepts Medicare assignment or a Medigap policy covers them. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Basics."

NEW QUESTION # 107
......

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