Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Q&A - in .pdf

  • Accident-and-Health-or-Sickness-Producer pdf
  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Aug 11, 2026
  • Q & A: 92 Questions and Answers
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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
Insurance Regulation30%- Licensing
  • 1. License issuance, renewal, and termination
    • 2. General provisions and definitions
      • 3. Initial qualifications and examination
        - Regulation of Producers
        • 1. Compensation and commissions
          • 2. Unfair trade practices
            • 3. Privacy and confidentiality rules
              - Providers and Markets
              • 1. Insurers and health service organizations
                • 2. HMOs and managed care arrangements
                  General Insurance Concepts15%- Fundamental Principles
                  • 1. Risk and risk management
                    • 2. Insurable interest and indemnity
                      • 3. Contract law and policy structure
                        - Policy Provisions
                        • 1. Exclusions and limitations
                          • 2. Mandatory and optional clauses
                            Accident and Health Insurance Policies35%- Types of Coverage
                            • 1. Long-term care insurance
                              • 2. Medical expense insurance
                                • 3. Accident-only coverage
                                  • 4. Disability income insurance
                                    - Policy Features
                                    • 1. Pre-existing conditions and exclusions
                                      • 2. Benefit structures and limits
                                        • 3. Waiting periods and elimination periods
                                          Maryland State-Specific Regulations20%- Compliance and Enforcement
                                          • 1. Penalties and violations
                                            • 2. Reporting and recordkeeping
                                              - Statutory Requirements
                                              • 1. Mandatory benefits and coverage mandates
                                                • 2. Claims handling and settlement rules
                                                  • 3. Disclosure and marketing requirements

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

                                                    1. In HMO coverage, all of the following services must be available 24 hours per day, 7 days per week EXCEPT:

                                                    A) In-patient hospital services
                                                    B) Dental care
                                                    C) Emergency medical care
                                                    D) Primary care


                                                    2. Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:

                                                    A) Power of attorney
                                                    B) Applicant's family's consent
                                                    C) Copy of the person's living will
                                                    D) Report of a physical examination


                                                    3. To be deemed a "qualified employer" under the Maryland Health Benefit Exchange Act, anemployer MUST:

                                                    A) Contribute to employee premiums
                                                    B) Have its principal place of business in the state of Maryland
                                                    C) Have at least 50% of its employees work in the state of Maryland
                                                    D) Have at least 50% of its employees reside in the state of Maryland


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

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


                                                    5. A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

                                                    A) Dental benefits
                                                    B) Vision benefits
                                                    C) Medical expense benefits
                                                    D) Disability income benefits


                                                    Solutions:

                                                    Question # 1
                                                    Answer: B
                                                    Question # 2
                                                    Answer: D
                                                    Question # 3
                                                    Answer: B
                                                    Question # 4
                                                    Answer: A
                                                    Question # 5
                                                    Answer: D

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