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Virginia · Health

Virginia Health Insurance Agent — Exam Prep

Accident & sickness, disability, LTC, Medicare supplement, HMO — no Life or Annuities. 90-question practice exam aligned to Prometric Series 11-06.

The examination this course is built to

VA Health Exam (11-06), 90 scored questions, 120 minutes, administered by Prometric

10
Sections
50
Lessons
550+
Practice questions
120 min
Exam time limit

What you'll learn

Every section below is aligned with the Virginia content outline.

Section 1
I. Insurance Regulation
6 lessons
+
  • Virginia Insurance Code Structure and SCC Bureau of Insurance Authority
  • Virginia Producer Licensing — Health Insurance Requirements
  • Virginia Unfair Trade and Claims Settlement Practices in Health Insurance
  • Virginia Life, Accident, and Sickness Insurance Guaranty Association — Health Coverage Limits
  • HIPAA — Privacy, Security, Portability, and Nondiscrimination
  • The ACA Marketplace and Essential Health Benefits — Metal Tiers, Premium Tax Credits, and Cost-Sharing Reductions
Section 2
II. General Insurance
3 lessons
+
  • Risk Management Concepts and Elements of an Insurable Risk
  • Types of Insurers, Marketing Systems, and Agent Authority
  • Insurance Contracts — Elements, Distinct Characteristics, and Legal Doctrines
Section 3
III. Health Insurance Basics
4 lessons
+
  • Perils, Principal Types of Losses, and Classes of Health Policies
  • Hospital Indemnity, Critical Illness, and Other Supplemental Products — Limited-Benefit Coverage Done Right
  • Agent Responsibilities and Field Underwriting in Individual Health Insurance
  • Individual Underwriting by the Insurer — Sources, Privacy, and Risk Classification
Section 4
IV. Individual Health Insurance Policy General Provisions
4 lessons
+
  • The Insuring Clause and Covered Benefits — What Major Medical Actually Promises to Pay
  • Virginia Health Policy Provisions — Free Look, Required Clauses, Renewability
  • Pre-Existing Conditions, Pre-Authorization, and the Appeals Process — Underwriting and Utilization Management
  • Virginia Mandated Health Benefits and Accident-and-Sickness Standards
Section 5
V. Disability Income and Related Insurance
5 lessons
+
  • 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
Section 6
VI. Medical Plans
7 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
  • EPO, Indemnity, and Supplemental Health Plan Types
  • Deductibles, Coinsurance, and Copays — How Cost-Sharing Actually Works
  • Out-of-Pocket Maximums, Annual Limits, and the MLR — How the ACA Capped Catastrophic Exposure
  • High-Deductible Health Plans and Health Savings Accounts
Section 7
VII. Group Health Insurance
6 lessons
+
  • 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
  • ADA, FMLA, and Mental Health Parity — The Workplace Health-Benefits Framework
Section 8
VIII. Dental Insurance
2 lessons
+
  • Dental Insurance — Treatment Types, Indemnity Plans, and Plan Mechanics
  • Employer Group Dental — Integrated Deductibles, Adverse Selection, and Plan Design
Section 9
IX. Insurance for Senior Citizens and Special Needs Individuals
11 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 Enrollment Periods and Late-Enrollment Penalties — IEP, AEP, SEP, Medigap OEP, and the Cost of Waiting
  • Medicare Supplement (Medigap) — Standardized Plans A through N, MACRA, and Guaranteed-Issue Rights
  • Virginia Continuation, Conversion, Medicare Supplement, and Long-Term Care Rules
  • Medicaid and Dual-Eligibility — The State-Administered Federal Program and Its Coordination with Medicare
  • LTC Basics — ADLs, Cognitive Impairment, and the Levels of Care
  • Benefit Amounts, Elimination Periods, and Benefit Periods — How an LTC Policy Pays
  • Tax-Qualified vs. Non-Tax-Qualified LTC — HIPAA, IRC §7702B, and the Benefit Triggers
  • 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
Section 10
X. Federal Tax Considerations for Health Insurance
2 lessons
+
  • Section 125 Cafeteria Plans — POPs, FSAs, and the Mid-Year Election Rules
  • HSA Eligibility and Contribution Limits — IRC §223 in Practice

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

FAQ

How long is the Virginia Health licensing exam?+
Virginia administers this as the VA Health Exam (11-06), through Prometric. It carries 90 scored questions with a 120-minute time limit. Virginia 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 $35.
How much does the Virginia Health exam cost and who administers it?+
Virginia contracts the examination to Prometric, and you register and pay through them rather than through this course. The published exam fee is $35 per attempt. You are allotted 120 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Virginia Department of Insurance publishes the current schedule.
Does Virginia require state-approved pre-licensing education?+
Virginia 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 550+ practice questions across section quizzes and a full-length 90-question final exam simulator that mirrors the real Virginia 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 Virginia exam?+
The practice questions are written to mirror the real Virginia 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 Virginia 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 Virginia 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 Virginia 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