In Wisconsin, health insurance is licensed under which line of authority category, as designated by OCI?
A. Casualty
B. Accident and Health or Sickness (also called Disability Insurance)
C. Title
D. Surplus lines
Source: Wis. Stat. § 628.03; OCI license types
An applicant for a Wisconsin resident Accident and Health insurance producer license must complete prelicensing education consisting of:
A. 8 hours general education plus 12 hours line-specific accident and health content, for 20 total hours
B. 40 hours of general education only
C. No prelicensing education is required for this line
D. 12 hours general education plus 8 hours line-specific content
Source: Wis. Admin. Code Ins 26.04
A licensed Wisconsin health insurance producer's biennial continuing education requirement is:
A. 24 hours total, with at least 3 hours of ethics
B. 10 hours total with no ethics requirement
C. 24 hours total, with at least 12 hours of ethics
D. There is no CE requirement for health lines specifically
Source: Wis. Admin. Code Ins 28.05
Under the Affordable Care Act's guaranteed issue provisions applicable to the individual major medical market, an insurer generally:
A. May deny individual health coverage based on a pre-existing condition
B. Must accept every individual applicant who applies for coverage during an open or special enrollment period, regardless of health status, in the individual major medical market
C. May charge unlimited premium variation based on health status
D. Is only required to offer guaranteed issue to group plans, never individual plans
Source: Affordable Care Act (Public Law 111-148); 42 U.S.C. § 300gg
Under the ACA, non-grandfathered health plans are generally required to cover which category of benefits without cost-sharing when delivered by an in-network provider?
A. All elective cosmetic procedures
B. Certain preventive services, such as specified immunizations and screenings, rated 'A' or 'B' by the U.S. Preventive Services Task Force
C. All out-of-network specialist visits
D. Long-term custodial nursing home care
Source: Affordable Care Act; 45 CFR § 147.130
