Free Minnesota Health Insurance Practice Exam Online

Correct answer: A. Chapter 62D, the Minnesota Health Maintenance Organization Act

Correct. Minn. Stat. chapter 62D, the Minnesota Health Maintenance Organization Act, establishes the regulatory framework governing HMOs operating in Minnesota.

• B: Incorrect. Chapter 176 governs workers' compensation benefits for workplace injuries, unrelated to HMO regulation.
• C: Incorrect. Chapter 65B governs auto insurance under Minnesota's no-fault system, unrelated to HMO regulation.
• D: Incorrect. Chapter 82 governs real estate licensing, entirely unrelated to health plan regulation.

Correct answer: A. Coverage for sickness, bodily injury, or accidental death, which may include benefits for disability income

Correct. Minn. Stat. § 60K.38 defines the accident and health or sickness line to include coverage for sickness, bodily injury, or accidental death, and it may include benefits for disability income.

• B: Incorrect. Dental insurance is generally encompassed within, or closely related to, the broader accident and health framework rather than requiring an entirely separate exclusive line as described here.
• C: Incorrect. Coverage for property loss is the property line of authority, a distinct category from accident and health.
• D: Incorrect. The accident and health line is broader than Medicare Advantage alone; it covers a wide range of health, sickness, and disability income products.

Correct answer: B. The enrollee may request an external review of the adverse determination, submitted to the appropriate commissioner, with an independent review entity evaluating the decision

Correct. Minn. Stat. § 62Q.73 allows an enrollee (or someone acting on their behalf) who received an adverse determination to request an external review submitted to the commissioner of health or commerce, with an independent review entity evaluating whether the determination was proper.

• A: Incorrect. Minnesota law specifically creates an external review right beyond the health plan's own internal appeal process.
• C: Incorrect. External review is a statutory administrative remedy available before, and separate from, resorting to litigation.
• D: Incorrect. External review under 62Q.73 applies broadly to adverse determinations on health plan coverage, not solely to dental claims.

Correct answer: A. A modest filing fee (commonly $25) applies, which may be waived for financial hardship and must be refunded if the determination is completely reversed

Correct. Minn. Stat. § 62Q.73 sets a modest filing fee (commonly $25) for requesting external review, which the commissioner may waive for financial hardship and which must be refunded to the enrollee if the adverse determination is completely reversed.

• B: Incorrect. The statutory fee is a modest, defined amount, not a large sum that would functionally block access to this remedy.
• C: Incorrect. A filing fee does generally apply, subject to hardship waiver and refund-on-reversal provisions.
• D: Incorrect. The enrollee generally submits the filing fee when requesting external review, though it can be refunded if the determination is completely reversed.

Correct answer: B. Minnesota's state-based health insurance marketplace/exchange, where individuals and small employers can compare and purchase qualified health plans and access premium tax credit eligibility determinations

Correct. MNsure is Minnesota's state-based health insurance marketplace, established under state law, where individuals and small employers can shop for and enroll in qualified health plans and where eligibility for premium tax credits and public programs is determined.

• A: Incorrect. MNsure serves the entire state, not merely the Twin Cities metro area, and it is a marketplace rather than a specific managed care organization.
• C: Incorrect. MNsure is not itself an insurance company selling coverage; it is a marketplace platform where multiple insurers' plans are offered.
• D: Incorrect. MNsure is a Minnesota state government entity operating the state's own exchange, distinct from the federal healthcare.gov marketplace used by states without a state-based exchange.