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Iowa Health Practice Exam

20 exam-style questions drawn from the same bank as our full Iowa Health course (Iowa Accident and Health Producer Exam Prep). Answer all 20, then grade yourself — most state exams require 70% to pass. Explanations for every question are part of the full course.

1. Under Iowa Code 508C.18, a producer may use the guaranty association in a sales presentation:
Only if the insurer is impairedOnly with the client's consentOnly in writing, never orallyNever, it is a prohibited advertisement
2. Which provider category does Iowa Code 509.3 require a group health policy to recognise?
Licensed massage therapistsLicensed naturopathsLicensed acupuncturistsLicensed chiropractors
3. A Medigap plan that pays the Medicare Part B deductible may not be sold to a person newly eligible on or after:
June 1, 2010January 1, 2010January 1, 2020January 1, 2022
4. Rule 191 chapter 36 is titled:
Continuing education for insurance producersIndividual accident and health minimum standardsLong-term care insurance requirementsCredit life and credit accident and health
5. Under Iowa Code 522B.12, a renewal commission may still be paid to a person who:
Never held a licence but referred the clientWas properly licensed at the time of saleHolds a licence in another line onlyIs a relative of the current producer
6. Compared with a tax-qualified LTC policy, a non-tax-qualified LTC policy:
Receives the same federal premium deductibility and benefit tax-exemption as a tax-qualified policy under the NAIC tax-parity safe harbor for state-approved long-term care insurance contractsMay use a broader 'medical necessity' benefit trigger but does not provide federal premium deductibility and has uncertain federal tax treatment of benefitsIs the only form of LTC policy that may be sold under the NAIC LTC Insurance Model Act and Regulation; tax-qualified contracts are reserved for the employer-sponsored §125 marketIs required to use the §7702B(c)(2) benefit triggers (2 of 6 ADLs or cognitive impairment) just like tax-qualified contracts under the federal LTC consumer-protection standards
7. A plan treats fourth-tier specialty drugs as a coinsurance category at 30% rather than a flat copay category. The member's biologic carries a $10,000 allowed amount per fill. Her cost per fill is:
$10,000, because specialty drugs sit outside the plan's coinsurance rules$3,000, but only once, because the first fill exhausts the drug benefit$3,000, and she may face that amount again on every subsequent refill$300, because specialty tiers are capped at the highest flat copay tier
8. The No Surprises Act good faith estimate is owed to which patient?
A Medicare Advantage enrolleeA patient in an emergency roomA patient with network coverageAn uninsured or self-pay patient
9. Which renewability class forbids the insurer to raise the premium before the stated age?
Conditionally renewableGuaranteed renewableCancelableNoncancelable
10. ACA section 1402 cost sharing reductions are available only on which metal tier?
PlatinumBronzeGoldSilver
11. A §7702B(e) acceleration rider on a life/LTC combination policy differs from an extension-of-benefits rider in that:
The extension-of-benefits rider eliminates the requirement that the underlying life chassis satisfy §7702B because the additional LTC pool stands alone as a separately-qualified contract under the federal hybrid-product frameworkOnly the §7702B(e) acceleration rider produces federal tax-free LTC benefits under IRC §7702B(b); the extension-of-benefits rider is treated as a separate non-qualified arrangement and its LTC payouts are taxable as ordinary incomeThe §7702B(e) acceleration rider may be funded only by a single up-front premium at issue; the extension rider may be funded by recurring annual premium over the life of the underlying chassis under the standard NAIC funding rulesThe acceleration rider pays LTC benefits by drawing down the life policy's death benefit; the extension rider provides an additional LTC-only pool of money that activates after the death benefit is exhausted
12. A producer keeps selling after a cease and desist order takes effect. Under 507B.7(4) the penalty per act is up to:
$10,000$1,000$25,000$5,000
13. Rule 191-37.27 requires which document when a Medigap policy replaces existing Medicare coverage?
A statement of policy costA notice regarding replacementA signed medical authorizationA certificate of creditable coverage
14. Rule 191-39.9 forbids conditioning Iowa home health care benefits on the insured first receiving:
Three activities of daily living lossesA cognitive impairment diagnosisA physician's written referralInstitutional or skilled nursing care
15. Which of the following best distinguishes custodial care from skilled nursing care?
Custodial care is non-medical personal assistance with ADLs provided by aides; skilled nursing care requires the supervision of a licensed nurse or therapist and is physician-orderedCustodial care is reimbursed by Medicare Part A under the 100-day skilled-nursing-facility benefit; skilled nursing care is excluded from Medicare and paid only through private LTC insurance coverageCustodial care covers only the elderly aged 65 and over who have exhausted family-caregiver resources; skilled nursing care is available to all age groups under the Medicaid waiver frameworkCustodial care is delivered exclusively in licensed nursing facilities and assisted-living communities under state-issued provider certification; skilled nursing care is delivered exclusively in the insured's residence under a home-health agreement
16. How long must an Iowa producer retain original certificates of continuing education completion?
Seven yearsFour yearsOne yearTwo years
17. Under the entire contract provision, who may change an Iowa accident and sickness policy?
Any appointed producer of the insurerAn executive officer of the insurerA claims adjuster handling the fileThe insured, by written request
18. An insured holds undisclosed expense-incurred coverage with another insurer. Each insurer will:
Pay its full contractual benefitPay its pro rata share of the expensePay only after the other has paidDeny the claim outright
19. A Medicare beneficiary currently enrolled in Original Medicare with a Medigap Plan G policy wants to add Medicare prescription drug coverage. The correct path is to:
Enroll in a stand-alone Part D Prescription Drug Plan (PDP) during a permitted enrollment windowEnroll in a Medicare Advantage MA-PD plan, which she can hold alongside her Original Medicare and MedigapAsk her Medigap insurer to add drug coverage to her existing Medigap policyApply for a new Medigap Plan H, I, or J, which include outpatient drug coverage
20. The actuarial value of a Gold plan under ACA section 1302 is:
60 percent70 percent80 percent90 percent

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