Health Insurance Producer License (ME)

First published: September 5, 2026Last verified: September 5, 2026Reviewed by the CertQuestUSA team

TL;DR

Health Insurance Producer License (ME): a 105-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 105 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily NAIC Health Insurance Producer content outline (54%) and 24-A MRS Chapter (20%) of this exam's citations.

Modeled on the PSI/Pearson VUE Maine Insurance Licensing Candidate Handbook (exam 12-ME-01) general product-knowledge outline plus Maine-specific statutes under 24-A MRS. No official Maine percentage weighting is published beyond the general/state split, so state-law domains below are weighted using equal distribution across the identified 24-A MRS chapters actually tested.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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3

full papers, no repeats

105

questions per paper

105

questions in the bank

What this exam covers

Disability Income Insurance9%
Group Health Insurance12%
Health Insurance Basics & Field Underwriting14%
Individual Medical Expense Insurance & Managed Care (HMO/PPO)13%
ME Group & Blanket Health Insurance (24-A MRS Ch. 35)5%
ME Health Plan Improvement Act & Independent External Review (24-A MRS Ch. 56, §4303-4313)2%
ME Individual Health Plans & Continuity of Coverage (24-A MRS Ch. 36)2%
ME Insurance Contract Provisions (24-A MRS Ch. 27, incl. free look & unfair claims settlement)6%
ME Producer Licensing (24-A MRS Ch. 16)8%
ME Unfair Trade Practices & Frauds (24-A MRS Ch. 23)7%
Medicare, Medicaid, Medicare Supplement & Long-Term Care13%
Health Policy Provisions & Contract Law9%

5 real sample questions

An "inflation protection" rider on a long-term care policy is designed to:

A. Automatically increase the policy's daily or monthly benefit amount over time to help keep pace with rising long-term care costs

B. Reduce the policy's premium every year

C. Guarantee the policy will never lapse for nonpayment

D. Convert the LTC policy into a life insurance policy

Source: NAIC LTC Insurance Model Act/Regulation content outline

A "Long-Term Care Partnership" program policy allows a policyholder who exhausts policy benefits to:

A. Receive a full premium refund

B. Apply for Medicaid while protecting (disregarding) personal assets up to the dollar amount of LTC insurance benefits already paid out

C. Automatically receive free Medicare Part A coverage

D. Avoid ever needing to apply for Medicaid

Source: NAIC LTC Insurance Model Act/Regulation content outline; State LTC Partnership Programs

Aside from reaching age 65, a person may also become eligible for Medicare due to:

A. Being unemployed for more than 6 months

B. Living in public housing

C. Receiving Social Security disability benefits for a qualifying period, or having End-Stage Renal Disease (ESRD)

D. Having any private individual health insurance policy

Source: Social Security Act Title XVIII (Medicare)

Under federal law, most Medicare Supplement (Medigap) policy benefit designs are:

A. Fully customizable by each insurer with no two policies alike

B. Identical to Medicare Advantage plan designs

C. Only available bundled with a life insurance policy

D. Standardized into lettered plans (such as Plan A, Plan G) so benefits for a given letter are the same across insurers, though premiums vary

Source: NAIC Medicare Supplement standardized plan model

Under Medicare Part A, coverage of a stay in a skilled nursing facility following a qualifying hospital stay is generally limited to a maximum of:

A. 100 days per benefit period, with coinsurance required after the first 20 days

B. 10 days per benefit period

C. Unlimited days for as long as medically necessary

D. 30 days, with no coinsurance ever required

Source: Social Security Act Title XVIII (Medicare) Part A

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

How many questions are on the CertQuestUSA Health Insurance Producer License (ME) practice test?

105 questions total, split into 3 full papers of 105 each with no repeats across papers.

What topics does the Health Insurance Producer License (ME) test cover?

12 domains, with the heaviest weight on Health Insurance Basics & Field Underwriting (14%), Individual Medical Expense Insurance & Managed Care (HMO/PPO) (13%), and Medicare, Medicaid, Medicare Supplement & Long-Term Care (13%).

Where do CertQuestUSA's Health Insurance Producer License (ME) questions come from?

Primarily NAIC Health Insurance Producer content outline (54%) and 24-A MRS Chapter (20%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Health Insurance Producer License (ME)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.