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Pass Guaranteed Quiz 2025 Fantastic Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Exam Braindumps

Pass Guaranteed Quiz 2025 Fantastic Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Exam Braindumps

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q18-Q23):

NEW QUESTION # 18
If a patient with a preferred provider plan chooses to use a non-preferred provider, the patient usually can expect:

  • A. To pay the full cost of care
  • B. 100% reimbursement for the service provided
  • C. A one-year waiting period before re-enrolling in the preferred provider plan
  • D. To have higher out-of-pocket expenses

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a PPO, using a non-preferred (out-of-network) provider typically results in higher out-of-pocket expenses (A) due to lower reimbursement rates (e.g., 60% vs. 80% in-network) and potential excess charges.
* Option B (full cost) may apply to HMOs, not PPOs, which still offer some coverage. Option C (100% reimbursement) is false. Option D (waiting period) is unrelated to provider choice.
The Virginia study guide explains that PPOs offer flexibility to use out-of-network providers, but at a higher cost to the insured due to reduced coinsurance or additional charges. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."


NEW QUESTION # 19
What is a situation or condition that increases the likelihood of an insured loss occurring?

  • A. Hazard
  • B. Exposure
  • C. Peril
  • D. Risk

Answer: A

Explanation:
In insurance terminology, per Virginia Code § 38.2-100 et seq., a hazard (option A) is a condition increasing the likelihood or severity of a loss from a covered peril (e.g., smoking increases fire risk). Option B (peril) is the cause of loss (e.g., fire, theft). Option C (exposure) is the extent of potential loss, not the condition itself.
Option D (risk) is the broader uncertainty of loss, encompassing hazards and perils. The study guide likely differentiates these with examples-e.g., icy roads (hazard) causing a crash (peril)-highlighting hazard's role in amplifying loss probability, making A the exact match.


NEW QUESTION # 20
All changes and corrections made to an application for health insurance by an agent must be initialed by the:

  • A. Applicant's physician
  • B. Agent
  • C. Applicant
  • D. Insurance company underwriter

Answer: C

Explanation:
Virginia Code § 38.2-3501 governs health insurance applications, requiring accuracy and applicant consent.
Changes or corrections by an agent (e.g., fixing a misspelled name) must be initialed by the applicant (option B) to verify agreement, as the application becomes part of the contract (Virginia Code § 38.2-3503). Option A (agent) initialing alone risks unauthorized alterations. Option C (physician) is irrelevant; medical input isn't standard for application edits. Option D (underwriter) assesses, not corrects, applications post-submission.
The study guide likely stresses this consumer protection rule, with examples-e.g., an agent correcting a birthdate, initialed by the applicant-ensuring transparency, making B the correct party.


NEW QUESTION # 21
The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:

  • A. Orthodontics
  • B. Periodontics
  • C. Prosthodontics
  • D. Endodontics

Answer: A

Explanation:
In the context of health insurance, particularly dental coverage, Virginia Code § 38.2-3407.1 et seq. governs mandated benefits, though dental specifics often appear in policy riders or standalone plans. Orthodontics (option A) is the branch of dentistry focused on preventing and correcting irregularities of the teeth and jaws using mechanical devices like braces or aligners, precisely matching the question's description. Endodontics (option B) deals with the tooth's interior (e.g., root canals), not mechanical correction of alignment.
Periodontics (option C) addresses gum diseases and supporting structures, not tooth positioning.
Prosthodontics (option D) involves replacing missing teeth with prosthetics (e.g., dentures), not correcting irregularities mechanically. The study guide likely defines these terms in a health insurance section, emphasizing orthodontics' role in alignment correction-both preventive (e.g., avoiding bite issues) and corrective-making A the clear answer. Examples like braces for malocclusion reinforce this distinction from other specialties.


NEW QUESTION # 22
Under IRS rules, a company normally may do all of the following with funds in a qualified retirement plan EXCEPT:

  • A. Invest in shares of common stocks
  • B. Repossess the funds for business purposes
  • C. Distribute vested funds to employees who leave
  • D. Make allocations to participating shareholder-employees

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Qualified retirement plans allow investments in stocks (A), allocations to participants (B), and distributions of vested funds (C), but repossessing funds for business use (D) violates IRS rules, as funds are held in trust for employees' benefit.
The Virginia study guide, per IRS regulations, states that qualified plan assets are protected for participants and cannot be diverted for business purposes, ensuring retirement security. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."


NEW QUESTION # 23
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