1. Answer-(D)- An individual insurance policy to help when you are unable to care for yourself due to prolonged illness or disability.

2. Answer-(D)- All of the above.

3. Answer-(A)- Yes. It’s the employer’s choice to offer health insurance, and they can change carriers and level of benefits at any time.

4. Answer-(A)- If your policy is not guaranteed renewable, the company may exercise their right to nonrenew your policy.

5. Answer-(D)- Yes. Most states have a Prompt Payment Act dictating how long a company has to pay or deny the claim or ask for information.

6. Answer-(C)- A Preferred Provider Organization where providers contract with an insurance company or health plan to offer services.

7. Answer-(D)- It depends on the law in your state.

8. Answer-(B)- Both A and C are possible reasons for an exclusion.

9. Answer-(B)- A health insurance contract that protects all members of a certain group against a specific hazard.

10. Answer-(A)- Health insurance that pays a monthly income to the policyholder when he is unable to work because of illness or accident.