Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer : MarylandAccident and Health or Sickness Producer Series 20-24 Exam

Exam Code: Accident-and-Health-or-Sickness-Producer

Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam

Updated: Oct 05, 2026

Q & A: 92 Questions and Answers

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About Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam

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

SectionObjectives
Topic 1: Health Insurance Systems- Government health programs
  • 1. Medicare basics
    • 2. Medicaid basics
      - Managed care models
      • 1. HMO, PPO, POS
        Topic 2: Accident and Health Insurance Basics- Types of coverage
        • 1. Disability income insurance
          • 2. Medical expense insurance
            • 3. Accidental death & dismemberment (AD&D)
              - Policy structure and provisions
              • 1. Exclusions and limitations
                • 2. Definitions and clauses
                  Topic 3: Insurance Law and Regulation (Maryland)- Maryland Insurance Administration rules
                  • 1. Unfair trade practices (rebating, twisting, misrepresentation)
                    • 2. Producer licensing requirements
                      Topic 4: General Insurance Principles- Insurance concepts
                      • 1. Risk, peril, hazard
                        • 2. Principles of indemnity and insurable interest
                          Topic 5: Policy Administration and Ethics- Ethical obligations
                          • 1. Suitability and fiduciary duties
                            • 2. Disclosure requirements

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

                              Question #1

                              To be eligible for major medical extended care benefits, a patient must:

                              • A. Require physical therapy
                              • B. Have had surgery
                              • C. Require continuous skilled nursing care
                              • D. Be terminally ill
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

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                              Question #2

                              The Maryland Health Insurance Plan is designed to provide comprehensive health benefits for:

                              • A. Medically uninsurable Maryland residents
                              • B. Low-income residents of Maryland
                              • C. Senior citizens residing in Maryland
                              • D. Children of low-income Maryland residents
                              Reveal Solution  Discussion  0

                              Correct Answer: A  🗳️

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                              Question #3

                              If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?

                              • A. Refer the employer to a licensed insurance producer
                              • B. Help the employer sign-up through the SHOP Exchange
                              • C. Refer the employer to the Maryland Insurance Administration
                              • D. Refer the employer to the carrier where a friend works
                              Reveal Solution  Discussion  0

                              Correct Answer: A  🗳️

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                              Question #4

                              In dental insurance coverage, which one of the following typically is EXCLUDED?

                              • A. Dental X-rays
                              • B. Root canal therapy
                              • C. Preventive care
                              • D. Treatment started prior to the eligibility date
                              Reveal Solution  Discussion  0

                              Correct Answer: D  🗳️

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                              Question #5

                              When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

                              • A. Health maintenance organization
                              • B. Disability income
                              • C. Major medical
                              • D. Dental
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

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