Under Missouri law, a person must hold a producer license with which line of authority before selling, soliciting, or negotiating individual or group health insurance in the state?
A. Accident and health/sickness
B. Property
C. Casualty only
D. No license is required for health insurance
Source: Mo. Rev. Stat. § 375.014
How long is a Missouri resident producer license valid before renewal is required?
A. One year
B. Two years
C. Four years
D. It is valid for the producer's lifetime
Source: Mo. Rev. Stat. § 375.016
How many total hours of continuing education must a Missouri health insurance producer complete every two years, and how many of those hours must specifically cover ethics, Missouri law, and producer duties?
A. 16 total hours, including 3 hours of ethics/law
B. 8 total hours, including 1 hour of ethics/law
C. 30 total hours, including 5 hours of ethics/law
D. 16 total hours, with no ethics/law requirement
Source: Mo. Rev. Stat. § 375.020; 20 CSR 700-3.200
Which of the following would be grounds for the Missouri Department of Commerce and Insurance to discipline a health insurance producer's license?
A. Misrepresenting the terms of a health policy to induce a sale
B. Recommending a lower-premium plan that meets the client's stated budget
C. Referring a client's question to the insurer's customer service line
D. Explaining a plan's deductible and coinsurance accurately
Source: Mo. Rev. Stat. § 375.141
In a Health Maintenance Organization (HMO) plan, how does a member typically access specialist care?
A. The member must generally select a primary care physician (PCP) who coordinates care and provides referrals to in-network specialists
B. The member may see any specialist nationwide with no network restriction and no referral
C. HMOs do not cover specialist visits under any circumstance
D. The member must pay the specialist's full billed charge with no insurance benefit at all
Source: General insurance product knowledge
