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Montana · Health

Montana Disability Producer Exam Prep

The examination this course is built to

Disability, 92 scored questions, 135 minutes, administered by Pearson VUE

7
Sections
87
Lessons
400+
Practice questions
135 min
Exam time limit

What you'll learn

Every section below is aligned with the Montana content outline.

Section 1
I. Types of Policies
22 lessons
+
  • Managed Care vs. Fee-for-Service — How Health Plans Organize Providers and Payment
  • Health Maintenance Organizations — Gatekeepers, Networks, and Capitation
  • PPO and POS Plans — In-Network vs. Out-of-Network Mechanics
  • High-Deductible Health Plans and Health Savings Accounts
  • EPO, Indemnity, and Supplemental Health Plan Types
  • Accidental Death and Dismemberment: Principal Sum, Capital Sum, and the Accident Definition
  • Basic Hospital, Medical and Surgical Policies vs Major Medical: First-Dollar Coverage and the Comprehensive Plan
  • Short-Term vs. Long-Term Disability — Product Structure, Group vs. Individual, and Employer-Sponsored Coverage
  • Definitions of Disability — Own-Occupation, Any-Occupation, Residual, and Presumptive
  • Elimination Period, Benefit Period, COLA, and the Renewability Provisions
  • Business Overhead Expense, Disability Buy-Sell, Key Person Disability, and Group Plan Structures
  • Taxation of Disability Premiums and Benefits, Social Security Disability, Workers' Compensation, and Benefit Integration
  • LTC Basics — ADLs, Cognitive Impairment, and the Levels of Care
  • Tax-Qualified vs. Non-Tax-Qualified LTC — HIPAA, IRC §7702B, and the Benefit Triggers
  • Benefit Amounts, Elimination Periods, and Benefit Periods — How an LTC Policy Pays
  • LTC Riders and Inflation Protection — Keeping the Benefit Whole Over a 30-Year Horizon
  • Hybrid Life/LTC, Annuity/LTC Combinations, and the Partnership for Long-Term Care
  • Employer-Sponsored Group Health — Structure, Master Policy, and the ERISA Frame
  • COBRA Continuation Coverage — Triggers, Durations, Premiums, and Notices
  • ERISA and Fiduciary Rules — Scope, Preemption, SPDs, and Form 5500
  • Nondiscrimination and Section 125 — Cafeteria Plans, FSAs, and HRAs
  • Small Group, Large Group, and Self-Funded — Rating, Underwriting, and Funding Choices
Section 2
II. Policy Provisions, Clauses, and Riders
10 lessons
+
  • The Insuring Clause and Covered Benefits — What Major Medical Actually Promises to Pay
  • Deductibles, Coinsurance, and Copays — How Cost-Sharing Actually Works
  • Out-of-Pocket Maximums, Annual Limits, and the MLR — How the ACA Capped Catastrophic Exposure
  • Pre-Existing Conditions, Pre-Authorization, and the Appeals Process — Underwriting and Utilization Management
  • Hospital Indemnity, Critical Illness, and Other Supplemental Products — Limited-Benefit Coverage Done Right
  • The Mandatory Uniform Provisions: Entire Contract, Time Limit on Defenses, Grace Period, Reinstatement
  • Claim Provisions: Notice of Claim, Claim Forms, Proof of Loss, Time of Payment, Payment of Claims
  • Optional Uniform Provisions: Change of Occupation, Misstatement of Age, Other Insurance, Relation of Earnings, Illegal Occupation
  • Other Provisions and Clauses: Insuring Clause, Free Look, Consideration, Probationary and Elimination Periods, Waiver of Premium, Exclusions
  • Riders and Rights of Renewability: Impairment Riders, Guaranteed Insurability, Future Increase Option, and the Renewability Spectrum
Section 3
III. Social Insurance
5 lessons
+
  • Medicare Parts A and B — Eligibility, Hospital Benefits, and Medical Benefits Under Original Medicare
  • Medicare Parts C and D — Medicare Advantage and Prescription Drug Coverage
  • Medicare Supplement (Medigap) — Standardized Plans A through N, MACRA, and Guaranteed-Issue Rights
  • Medicaid and Dual-Eligibility — The State-Administered Federal Program and Its Coordination with Medicare
  • Medicare Enrollment Periods and Late-Enrollment Penalties — IEP, AEP, SEP, Medigap OEP, and the Cost of Waiting
Section 4
IV. Other Insurance Concepts
9 lessons
+
  • The ACA Marketplace and Essential Health Benefits — Metal Tiers, Premium Tax Credits, and Cost-Sharing Reductions
  • HIPAA — Privacy, Security, Portability, and Nondiscrimination
  • ADA, FMLA, and Mental Health Parity — The Workplace Health-Benefits Framework
  • Section 125 Cafeteria Plans — POPs, FSAs, and the Mid-Year Election Rules
  • HSA Eligibility and Contribution Limits — IRC §223 in Practice
  • Total, Partial, Recurrent, and Residual Disability: How the Contract Classifies a Claim
  • Owner's Rights, Beneficiary Designations, Dependent Children Benefits, and Modes of Premium Payment
  • Nonduplication and Coordination of Benefits, Subrogation, Occupational vs Non-Occupational Coverage, and Workers Compensation
  • Tax Treatment of Premiums and Proceeds, Managed Care, and Cost Containment
Section 5
V. Field Underwriting Procedures
6 lessons
+
  • Completing the Application: The Producer as Field Underwriter
  • Sources of Insurability and Privacy: MIB, Attending Physician Statements, the Fair Credit Reporting Act, and HIPAA
  • Initial Premium, Receipts, and When Coverage Actually Begins
  • Submitting the Application, the Underwriting Decision, and Explaining Ratings
  • Policy Delivery and Explaining the Contract: Provisions, Riders, Exclusions, and Ratings
  • Replacement and Contract Law: Elements of a Contract, Insurable Interest, and the Unique Characteristics of Insurance
Section 6
VI. Montana Statutes Common to Life, Disability and P&C
18 lessons
+
  • The Montana Insurance Commissioner: Department Control, Rulemaking, Examinations, Hearings, and Appeals
  • Montana Desist Orders and the Penalty Figures: What 33-1-317, 33-1-318 and 33-18-1005 Actually Say
  • Montana Definitions: Domestic, Foreign and Alien Insurers, Insurance Transactions, and the Certificate of Authority
  • Montana Fraternal Benefit Societies and Their Producers
  • Who Must Be Licensed in Montana: Eligibility, Examination, Background Checks, and the Lines of Authority
  • A Montana Licence Does Not Expire on a Date: Continuation, Lapse, Change of Address, and Inactive Status
  • Montana Temporary Producer Licences: The Five Grounds, the 90-Day Limit, and What a Temporary Licensee May Do
  • Montana Nonresident and Reciprocal Producers, Insurance Consultants, and Administrators
  • Montana Continuing Education: 24 Hours Every 24 Months, 3 of Ethics and 1 on Montana Law Changes
  • Montana Producer Appointments: Filing, Continuation, Termination, and the 30-Day Notification
  • Montana Licence Suspension, Revocation and Refusal, and the Consequence of Acting Without a Licence
  • Montana Unfair Trade Practices: False Advertising, Misrepresentation, Twisting, Defamation, Rebating, and Excess Charges
  • Montana Unfair Claim Settlement Practices, the Time for Payment of Medical Claims, and the Duty to Report Fraud
  • Montana Licensee Responsibilities: Place of Business, Three-Year Records, Fiduciary Capacity, Commission Sharing, and the Agency Relationship
  • Montana Rate and Form Regulation and the Basic Contract Language Rules
  • The Montana Life and Health Insurance Guaranty Association: Coverage, the 33-10-224 Limits, and the Advertising Prohibition
  • The Montana Insurance Information and Privacy Protection Act: Notice, Authorizations, Access, and the Adverse Underwriting Decision
  • Montana Common-Lines Review: The Numbers, the Sections, and the Traps
Section 7
VII. Montana Statutes Pertinent to Disability Insurance Only
17 lessons
+
  • Montana Coverage of Newborn and Adopted Children: From the Moment of Birth, From the Date of Placement, and the 31-Day Notice
  • Montana Disabled Dependents and Dependent Age Limits: The 31-Day Proof, the 2-Year Rule, and Coverage to Age 25
  • Montana Continuation and Conversion: The Family Continuity Right, the One-Year Group Continuation, and the 31-Day Conversion Window
  • Montana Maternity Coverage, the 48 and 96 Hour Childbirth Stays, and the Mammography Schedule
  • Montana Home Health Care Coverage: A Make-Available Mandate, Not a Mandated Benefit
  • The Montana Mental Health Parity Act, Substance Use Disorder Coverage, and the Autism Benefit Maximums
  • The Montana Required Provisions for Individual Disability Policies: Entire Contract Through Change of Beneficiary
  • The Montana Optional Provisions: Change of Occupation, Misstatement of Age, Other Insurance, Relation of Earnings, and Illegal Occupation
  • Montana Preexisting Conditions and Continuity of Coverage: Three Different Lookbacks and the 63-Day Break
  • Montana Disclosure Standards and the Explanation of Charges: The Outline of Coverage and the URC Disclosure
  • Montana Medicare Supplement Insurance: The 6-Month Preexisting Limit, the 30-Day Free Look, and the Replacement Notice
  • Montana Group Disability Insurance: Eligible Groups, the Four Required Provisions, Special Enrollment, and Coordination of Benefits
  • Montana Health Maintenance Organizations and Health Service Corporations: Definitions, Evidence of Coverage, and the Complaint System
  • Montana Credit Disability and Blanket Disability Insurance: Two Special Policy Forms
  • The Montana Preferred Provider Agreements Act, Freedom of Choice of Practitioners, and Coverage in Special Circumstances
  • Montana Long-Term Care Insurance: The Six ADLs, the Three-of-Six Trigger, the 30-Day Free Look, and the Producer Training Hours
  • The Montana Vulnerable Adult Prevention of Abuse Act: Who Is Protected, What Exploitation Means, and Who Must Report

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Pass the real exam

Take the official Montana exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Montana Health licensing exam?+
Montana administers this as the Disability, through Pearson VUE. It carries 92 scored questions with a 135-minute time limit. Montana does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere. The exam fee is $65.
How much does the Montana Health exam cost and who administers it?+
Montana contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $65 per attempt. You are allotted 135 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Montana Department of Insurance publishes the current schedule.
Does Montana require state-approved pre-licensing education?+
Montana does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 400+ practice questions across section quizzes and a full-length 92-question final exam simulator that mirrors the real Montana Health exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real Montana exam?+
The practice questions are written to mirror the real Montana Health exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real Montana exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I retake the Montana licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the Montana candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access