Ky Health Insurance Laws

Kentucky law requires that written notice of claim must be given to the insurer within how many days after the occurrence or commencement of a covered loss? Page 559

In Kentucky, although insurers may offer a variety of Medicare supplements, all insurers must make available a policy or certificate that covers only the basic core benefits. This plan is known as: Page 566

In Kentucky, a Medicare supplement policy may not exclude benefits for losses for more than ______ months because of a preexisting condition? Page 568

What is the free look period in Kentucky for Medicare supplement policies? Page 568

As defined by Kentucky law, which of the following are considered insurers for purposes of long-term care insurance? Page 576

As defined by Kentucky law, compensation with respect to long-term care insurance means: Page 576

As defined by Kentucky law, bathing, continence, dressing, eating, toileting, and transferring are: Page 577

According to Kentucky law, a program for four or more persons of social and/or health related services provided during the day in a group setting to support frail, impaired elderly or other disabled adults is termed: Page 577

When a person is medically unstable, frequently requiring monitoring by medical personnel, Kentucky law terms this condition: Page 577

In Kentucky, a long-term care policy must include benefits for: Page 578

In Kentucky, premiums for long-term care insurance cannot be increased as a result of: Page 579

In Kentucky, which of the following are requirements for long-term care insurance applicants over the age of 80? Page 584

In Kentucky, long-term care insurance policies must offer in addition to any other inflation protection: Page 585

In Kentucky, insurers must offer potential long-term care insureds the option to purchase a policy with: Page 585

In Kentucky, the prohibited practice of knowingly making a misleading representation or incomplete or fraudulent comparison of policies or insurers to persuade the termination, assignment, converting, or borrowing against a policy or to purchase a policy with another insurer is known as: Page 588

In Kentucky, the prohibited practice of using any method of marketing which persuades the purchase of insurance through force, fright, or threat is termed: Page 588

Barbara receives an offer for a free steak dinner at a well known restaurant with no stipulations. Before dinner is served, however, she must endure a lengthy solicitation for insurance. Which of the following prohibited practices in Kentucky is Barbara a victim of? Page 588

Misrepresenting a material fact in selling or offering to sell long-term care insurance in Kentucky is the prohibited practice known as: Page 588

In Kentucky when an insurance policy is being replaced, the replacing insurer must not provide compensation greater than ______ of the renewal compensation. Page 590

In Kentucky, can retired employees be part of a group for purposes of company’s group health insurance? Page 591

Under Kentucky law, an example of a group whose composition and number of members is constantly changing and can therefore secure group rates through a blanket health insurance policy is: Page 592

Under Kentucky law, which of the following must be offered conversion health insurance coverage? Page 595

In Kentucky, insureds under group policies have the right to continue coverage for themselves and their dependents when group membership terminates and: Page 595

All of the following are correct statements about the continuation of group health insurance in Kentucky except: Page 595-596

Which of the following is eligible to continue group health coverage under Kentucky law? Page 596

All of the following are correct statements about home healthcare benefits provided by HMOs in Kentucky except: Page 615