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最新的 Virginia Insurance License Virginia-Life-Annuities-and-Health-Insurance 免費考試真題 (Q130-Q135):

問題 #130
In addition to the applicant, who signs an application for health insurance?

• A. The agent
• B. The applicant's spouse
• C. The inspection company representative
• D. The applicant's dependents

答案：A

解題說明：
Detailed Answer in Step-by-Step Solution:
* The health insurance application is signed by the applicant (who provides personal info) and the agent (D), who certifies the information's accuracy and their role in the process.
* The spouse (A) or dependents (B) don't sign unless they're co-applicants. An inspection representative (C) is not involved in the application process.
The Virginia study guide specifies that the agent signs the application alongside the applicant to verify the submission and their involvement, per standard industry practice. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."

問題 #131
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

• A. Well-baby checkups
• B. Immunizations for children
• C. Experimental surgery
• D. Physical examinations

答案：C

解題說明：
Virginia Code § 38.2-4306 requires HMOs to offer preventive care, coordinated by primary care physicians (PCPs), focusing on health maintenance. Option A (well-baby checkups), option B (immunizations for children), and option D (physical examinations) are standard preventiveservices-e.g., growth monitoring, vaccines, and annual exams-covered at no cost under ACA-aligned plans (Virginia Code § 38.2-3440).
Option C (experimental surgery) is not preventive; it's a treatment, often excluded or requiring special approval due to its unproven nature, not a PCP's routine role. The study guide likely lists HMO preventive benefits with examples (e.g., flu shots), contrasting them with non-preventive interventions like surgery, making C the exception.

問題 #132
An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called:

• A. A rider
• B. An attachment
• C. A limit clause
• D. An insuring clause

答案：A

解題說明：
Virginia Code § 38.2-3500 et seq. allows health insurance policies to include riders-supplemental agreements modifying coverage or terms (e.g., adding dental benefits or exclusions). Option D (rider) is the standard term. Option A (limit clause) isn't a distinct attachment; limits are within thepolicy. Option B (attachment) is vague and not insurance-specific. Option C (insuring clause) is the core promise of coverage, not an alteration. The study guide likely defines riders with examples-e.g., a maternity rider increasing premiums-distinguishing them from policy staples, confirming D as the answer.

問題 #133
Which is an example of an endodontic service?

• A. Dentures
• B. Fillings
• C. Crowns
• D. Root canals

答案：D

解題說明：
Detailed Answer in Step-by-Step Solution:
* Endodontic services involve treatment of the tooth's interior (pulp and roots), with root canals (C) being a primary example.
* Crowns (A) and fillings (D) are restorative, not endodontic. Dentures (B) are prosthetic, unrelated to endodontics.
The Virginia study guide classifies root canals as an endodontic procedure, distinct from restorative or prosthetic dental services, per standard dental insurance definitions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Dental Insurance."

問題 #134
The preventive medical care benefit sometimes provided in a Medicare supplement policy covers:

• A. Annual physical exams
• B. Hospitalization
• C. Skilled nursing care
• D. Home health care

答案：A

解題說明：
Detailed Answer in Step-by-Step Solution:
* Medicare supplement (Medigap) policies may include preventive care benefits like annual physical exams (D), which original Medicare doesn't fully cover.
* Home health (A), skilled nursing (B), and hospitalization (C) are covered by Medicare Parts A and B, not typically supplemental preventive benefits.
The Virginia study guide notes that some Medigap plans offer additional preventive services, such as annual exams, beyond Medicare's scope. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance."

問題 #135
......

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