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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Marketing Practices8-12%- Advertising guidelines
- Producer responsibilities
- Prohibited practices
- Marketing regulations
Topic 2: Maryland Insurance Laws and Regulations20-25%- Maryland Insurance Code
- Violations and penalty provisions
- Privacy and confidentiality requirements
- Producer licensing requirements
- Consumer protection regulations
- Unfair claim settlement practices
Topic 3: Field Underwriting and Application Process8-12%- Application procedures
- Medical underwriting
- Agent responsibilities in enrollment
- Risk classification
Topic 4: Types of Health Insurance Policies20-25%- Long-term care insurance
- Disability income insurance
- Individual health insurance
- Medicare and Medicaid
- Dental and vision insurance
- Group health insurance
Topic 5: Policy Provisions and Clauses18-22%- Preexisting condition clauses
- Deductibles and copayments
- Coverage terms and conditions
- Benefit periods
- Exclusions and limitations
- Waiting periods
Topic 6: Social Insurance Programs8-12%- Medicare Part A, B, C, D
- Social Security disability benefits
- Medicaid programs
- CHIP (Children's Health Insurance Program)

Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:

1. All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

A) Wellness programs
B) Discounts on local health spa memberships
C) Outpatient medical services
D) Twenty-four hour access to emergency care


2. In accident and health insurance, a waiting period for pre-existing conditions means that:

A) Coverage for pre-existing conditions is permanently excluded by a new insurer
B) Payment for expenses resulting from pre-existing conditions is held in escrow
C) A period of time must elapse before pre-existing conditions are covered
D) Coverage for pre-existing conditions starts at the inception of the new policy


3. Group health insurance contracts providing coverage for employees in more than one state are usually controlled by the laws of the state where:

A) The producer resides
B) The application is signed
C) The master contract is issued
D) The majority of employees reside


4. Which type of Medicare Supplement information can be used without prior state approval?

A) Radio announcements approved by the insurer
B) Television advertisements approved by the insurer
C) Government publications
D) Insurance company brochures


5. All of the following are true of insurance EXCEPT:

A) It transfers risk
B) It is a means of sharing losses
C) It eliminates risk
D) It protects against uncertainty


Solutions:

Question # 1
Answer: B
Question # 2
Answer: C
Question # 3
Answer: C
Question # 4
Answer: C
Question # 5
Answer: C

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