Free Tennessee Health Insurance Practice Exam Online

Correct answer: D. A person who sells, solicits, or negotiates insurance on behalf of an insurer

This is the correct definition under T.C.A. § 56-6-101.

• A: Employment directly with an insurer is not the only requirement for licensing—independent agents also must be licensed.
• B: Bank employees casually discussing insurance do not meet the threshold of selling, soliciting, or negotiating insurance.
• C: Simply mentioning insurance does not constitute solicitation or negotiation requiring licensure.

Correct answer: D. T.C.A. § 56-6-101 et seq. and Rule Chapter 0780-1-56

T.C.A. § 56-6-101 et seq. and Rule Chapter 0780-1-56 are the correct governing statutes for Tennessee producer licensing.

• A: T.C.A. § 45-2-101 governs corporate matters, not insurance licensing.
• B: T.C.A. § 56-5-101 governs rate review and ratemaking, not producer licensing.
• C: 26 U.S.C. § 4980H governs employer shared responsibility under the ACA, not state producer licensing.

Correct answer: B. Only pass a written examination with no educational requirement

Pre-licensing education is a mandatory requirement in addition to passing the examination.

• A: Tennessee requires both passage of a written examination and completion of pre-licensing education for most applicants.
• C: Tennessee requires more than 20 hours of pre-licensing education and a comprehensive examination.
• D: Employment with an insurer is not a prerequisite for licensure; independent producers can be licensed.

Correct answer: A. Three categories: hospital, physician, and pharmacy

Three categories are insufficient under ACA minimum standards; the law requires ten specific categories.

• B: ACA regulations at 42 U.S.C. § 18022 specify exactly ten essential health benefit categories.
• C: The ACA does not require coverage of every service; it specifies ten essential categories with defined limits.
• D: The ACA requires more than five categories; dental and vision are components of pediatric EHB, not standalone adult benefits.

Correct answer: C. Preventive services are only covered if the patient has met their deductible

Preventive services covered under the ACA must be provided before and regardless of deductible satisfaction.

• A: Both 'A' and 'B' rated services require zero cost-sharing; cost-effectiveness is not a factor.
• B: The ACA prohibits cost-sharing for covered preventive services; plans cannot impose copayments or coinsurance.
• D: 42 U.S.C. § 18071 mandates no cost-sharing for USPSTF-rated 'A' or 'B' preventive services.