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Life and Health Insurance Producer Exam

Medicare supplement (LA): practice questions

Our Life & Health Insurance bank has 3 questions on this topic. Here are 3 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Louisiana

What annual open enrollment right does Louisiana give a person who already has a Medicare supplement policy?

  1. A 90-day period on each policy anniversary to switch to a plan with more benefits than the current plan
  2. A 6-month period every year after turning 65 to buy any plan with full medical underwriting
  3. A 30-day period each January to switch to any Medicare supplement policy offered by any insurer in the state
  4. A 63-day period starting on the person's birthday to buy any Medicare supplement policy from the same issuer or an affiliate
Show the answer

D. A 63-day period starting on the person's birthday to buy any Medicare supplement policy from the same issuer or an affiliate — La. R.S. 22:1112(A)(1) (no denial or rating for health when the new plan's benefits are equal or lesser, R.S. 22:1112(A)(2)).

Question 2 · Louisiana

A Louisiana Medicare supplement policy may not deny a claim for a preexisting condition for losses incurred more than how long after coverage begins?

  1. Two years
  2. Six months
  3. Ninety days
  4. Twelve months
Show the answer

B. Six months — La. R.S. 22:1111(C)(3).

Question 3 · Louisiana

How long does a Louisiana Medicare supplement buyer have to return the policy for a premium refund?

  1. 30 days of delivery, for any reason
  2. 15 days of delivery, if misrepresented
  3. 10 days of delivery, for any reason
  4. 60 days of delivery, if a claim was not filed
Show the answer

A. 30 days of delivery, for any reason — La. R.S. 22:1111(G).

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