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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Overview:
| Certification Vendor: | Maryland Insurance Administration |
| Exam Name: | Accident and Health or Sickness Producer License Examination |
| Exam Number: | Series 20-24 |
| Related Certifications: | Property and Casualty Producer Life Producer |
| Passing Score: | 70 |
| Certificate Validity Period: | License renewal every 2 years; continuing education required |
| Exam Price: | $68 |
| Available Languages: | English |
| Exam Format: | Multiple Choice |
| Exam Duration: | 150 minutes |
| Real Exam Qty: | 100 |
| Sample Questions: | Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Sample Questions |
| Exam Way: | Computer-based testing at Pearson VUE test centers |
| Pre Condition: | Must be at least 18 years old; no felony convictions related to insurance; completion of pre-licensing education may be required |
| Official Syllabus URL: | https://insurance.maryland.gov/ |
Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Field Underwriting and Application Process | 8-12% | - Risk classification - Medical underwriting - Agent responsibilities in enrollment - Application procedures |
| Marketing Practices | 8-12% | - Advertising guidelines - Prohibited practices - Marketing regulations - Producer responsibilities |
| Types of Health Insurance Policies | 20-25% | - Medicare and Medicaid - Dental and vision insurance - Disability income insurance - Group health insurance - Individual health insurance - Long-term care insurance |
| Social Insurance Programs | 8-12% | - Medicare Part A, B, C, D - Medicaid programs - Social Security disability benefits - CHIP (Children's Health Insurance Program) |
| Policy Provisions and Clauses | 18-22% | - Exclusions and limitations - Coverage terms and conditions - Preexisting condition clauses - Deductibles and copayments - Benefit periods - Waiting periods |
| Maryland Insurance Laws and Regulations | 20-25% | - Unfair claim settlement practices - Violations and penalty provisions - Producer licensing requirements - Privacy and confidentiality requirements - Maryland Insurance Code - Consumer protection regulations |
Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
1. Which of the following is NOT a mandated benefit in Maryland?
A) Treatment of mental illness
B) Weight reduction programs
C) Treatment of substance abuse
D) Hearing aids for children
2. Medical charges that fall within the range of fees normally charged for a given procedure in a certain geographical area are called:
A) Reasonable and customary charges
B) Preapproved charges
C) Scheduled charges
D) Utilization charges
3. Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?
A) Cancer
B) Intentionally self-inflicted injuries
C) Auto accidents
D) Tropical disease
4. An elimination period in a disability income insurance policy is the:
A) Period between the start of a disability and the beginning of benefits
B) Time period the policy is in force
C) Time during which benefits are paid under the policy
D) Same as the probationary period
5. Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?
A) Major medical expense
B) Long-term care insurance
C) Medicare supplement
D) Long-term disability
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: A | Question # 5 Answer: B |
By Herbert
