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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q61-Q66):

NEW QUESTION # 61
Which type of health insurance helps to pay for the cost of care in cases where hospitalization is not required but the individuals are unable to care for themselves?

A. Long-term care
B. Medicare
C. Disability income
D. Major medical

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Long-term care insurance (B) is designed to cover custodial care (e.g., help with daily activities like bathing or dressing) when individuals cannot care for themselves, often outside a hospital setting.
* Medicare (A) provides limited long-term care coverage (e.g., skilled nursing for a short period), not comprehensive custodial care.
* Major medical (C) covers hospital and medical expenses, not long-term custodial care.
* Disability income (D) replaces lost income, not care costs.
The Virginia study guide defines long-term care insurance as coverage for extended care needs, such as in nursing homes or at home, when individuals cannot perform activities of daily living, distinguishing it from Medicare or major medical plans. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Health Insurance."

NEW QUESTION # 62
In the solicitation and sale of Medicare Supplement insurance policies, when must an agent deliver the buyer' s guide?

A. Only when the purchaser is a first-time buyer
B. Only when the solicitation involves replacement
C. At the time of application
D. Prior to accepting any payment of premium

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The buyer's guide for Medicare Supplement insurance must be provided to the consumer at the time of application (B) to ensure they understand the policy's benefits and limitations before committing.
* Option A (replacement only) is incorrect; the guide is required for all sales, though additional notices apply for replacements.
* Option C (prior to payment) is too vague and not a specific requirement.
* Option D (first-time buyer) is not a condition under Virginia or federal rules.
Per the Virginia study guide, agents must deliver the buyer's guide at the time of application for Medicare Supplement policies, as mandated by federal and state regulations to promote informed decisions. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance Regulations."

NEW QUESTION # 63
A health maintenance organization (HMO) member receives all preventive and routine medical care from the:

A. Provider association
B. Medical director
C. Routine care physician
D. Primary care physician

Answer: D

Explanation:
Virginia Code § 38.2-4303 defines the HMO model, where the primary care physician (PCP, option A) acts as the gatekeeper, delivering preventive (e.g., vaccines) and routine care (e.g., checkups), and coordinating referrals. Option B (medical director) oversees HMO operations, not direct care. Option C (routine care physician) isn't a standard term; the PCP fills this role. Option D (provider association) might imply a network, but care comes from the individual PCP, not a collective. The study guide likely explains the PCP's central role with examples-e.g., a member seeing their PCP for a flu shot-highlighting HMO cost-control via this structure, making A the correct provider.

NEW QUESTION # 64
Including a guaranteed insurability rider on a life insurance policy means that:

A. The policyowner may purchase additional life insurance periodically without proving insurability.
B. The original policy was sold on a non-medical basis.
C. Any extra premium charged for a health impairment will be discontinued if standard insurability is proved later.
D. The company will require evidence of insurability for any future purchase of life insurance.

Answer: A

Explanation:
Virginia Code § 38.2-3209 allows a guaranteed insurability rider, enabling the policyowner to buy additional coverage at specified intervals (e.g., every 3 years or life events like marriage) without proving insurability.
Option D matches this definition. Option A is unrelated; non-medical underwriting isn't implied. Option B contradicts the rider's purpose, which waives insurability proof. Option C is false; premium adjustments aren' t part of this rider. The study guide describes this rider as a planning tool for future needs, confirming D.

NEW QUESTION # 65
Nearly all citizens of the U.S.A., regardless of age, are eligible for Medicare Part B if they are:

A. "Fully insured" under Social Security
B. Retired permanently
C. Eligible for Medicare Part A
D. Uninsurable through commercial insurers

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Medicare Part B eligibility generally requires enrollment in or eligibility for Part A (B), which covers hospital insurance and is tied to age (65+) or disability status, not just retirement (A) or insurability (C).
* "Fully insured" under Social Security (D) relates to benefits but isn't a direct Part B requirement.
The Virginia study guide states that Medicare Part B is available to those eligible for Part A, typically U.S.
citizens or residents aged 65 or disabled, regardless of other factors. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Eligibility."

NEW QUESTION # 66
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