69. a long term care insurance policy or certificate replaces another long term care policy, what does the replacing policy have to do? allow a 45day free look period waive any preexisting conditions requirements after 30 days and allow for a 45 day free look period waive any time periods applicable to preexisting conditions to the extent that have been satisfied under the policy waive any time periods applicable to preexisting conditions as long as the client agrees in writing to stay on a doctor recommended treatment schedule

77. Some states have laws that health insurance coverages are available at a reasonable cost and under conditions for small employers Small employers are defined as having no than

86 Which of the following is true about applying for Medicare Supplement policies outside open enrollment? Coverage will be issued on a guaranteed issue basis. It is not possible to get coverage after the initial enrollment period. Coverage will be issued with longer elimination periods and higher deductibles. There is no guarantee a company will sell you coverage if you do not meet underwriting guidelines.

88 Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if the claim is under $500. the insured is unable to pay an appeal fee . the appeal is filed more than 180 days after the claim denial . the insured has submitted three appeals within the calendar year.

Answer rating: 100% (QA)

69 Longterm care insurance is a type of insurance policy designed to provide financial support for individuals who require care over an extended period of time due to a chronic illness or disability I... View the full answer