10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free MA A&H questions are organized by exam domain, so you can see how each part of the Massachusetts Accident & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A two-dentist practice wants insurance that will reimburse rent, utilities, eligible staff salaries, and accounting fees while one owner is disabled. The owners do not need this policy to replace the disabled dentist's personal income or purchase that dentist's ownership interest. Which policy best fits the stated need?
Correct answer: C - Business overhead expense insurance
Members must select a primary care physician and obtain referrals for in-network specialists. They may instead obtain nonemergency care outside the network without a referral, but must pay substantially higher cost sharing. What type of plan has this design?
Correct answer: A - Point-of-service plan
Following a divorce, the former spouse of a covered employee at a 65-employee company loses group health coverage. The former spouse elects federal COBRA 58 days after receiving the election notice. Which statement correctly describes the continuation right?
Correct answer: D - Coverage may continue for 36 months, and the first premium is due within 45 days after election
Despite being physically able to perform all six activities of daily living, an insured with severe cognitive impairment requires substantial supervision to prevent wandering into traffic and other threats to health and safety. How does this affect eligibility under a federally tax-qualified long-term-care policy?
Correct answer: B - The severe-cognitive-impairment trigger may qualify the insured without two activity-of-daily-living deficits
An in-network provider bills $12,000 for a covered procedure, but the plan's allowed amount is $9,000. The member has $600 remaining on the deductible, after which the plan pays 80% and the member pays 20%. There is no copayment, and the provider may not balance bill. What is the member's total responsibility?
Correct answer: B - $2,280
Claims experience worsens for an entire approved class of individual health policies. The insurer cannot cancel any one insured because of health or claims, but may change the class premium at renewal. This describes which renewability provision?
Correct answer: D - Guaranteed renewable
Forty-five days after issuing a conditional receipt for overdue premium and a required reinstatement application, the insurer has neither approved nor disapproved the application in writing. Reinstatement therefore occurs that day. Pneumonia begins 12 days later. Subject to the policy's other terms, how should the sickness be treated?
Correct answer: A - It is covered because it began more than 10 days after reinstatement
On February 10, a beneficiary enrolled in Original Medicare and a stand-alone Part D plan wants to join Medicare Advantage solely because the Medicare Advantage Open Enrollment Period runs from January 1 through March 31. What is the accurate guidance?
Correct answer: C - That period is for people already in Medicare Advantage; another valid enrollment opportunity is required
For a Medicare-covered physician service received by a 72-year-old enrolled in both Medicare and MassHealth, with no employer plan or other liable insurer, which payer order generally applies?
Correct answer: D - Medicare pays first, and MassHealth is generally the payer of last resort
Both married parents cover their dependent child, and no court order applies. The father's birthday is March 22, the mother's is November 5, and the mother's plan has covered the family longer. Which plan is primary under the standard birthday rule?
Correct answer: B - The father's plan, because his birthday falls earlier in the calendar year
The MA A&H exam also covers these domains. Drill them in the full free practice test:
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