Accident-and-Health-or-Sickness-Producer Exam Dumps : MarylandAccident and Health or Sickness Producer Series 20-24 Exam

Medical expense insurance covers necessary treatments like hospital stays, maternity care, and diagnostic tests, but excludes elective procedures such as primarily cosmetic surgery unless medically necessary (e.g., reconstructive surgery post-injury). Maryland law (Insurance Article, § 15-103) allows exclusions for non-essential services, aligning with standard practice where aesthetic surgeries like facelifts are not covered.

References:Maryland Insurance Article, § 15-103; MIA guidelines.

Preferred risk applicants (Insurance Article, § 15-201) have low disability risk due to non-smoking, safe jobs, and physical activity. High income affects benefit amounts, not risk classification, making it the exception.

References:Maryland Insurance Article, § 15-201; MIA underwriting standards.

The Maryland Health Benefit Exchange Act (Insurance Article, § 31-101) defines a qualified employer as one with its principal place of business in Maryland for SHOP Exchange eligibility. Premium contributions are optional, and employee work or residency percentages aren’t required.

References:Maryland Insurance Article, § 31-101; MIA SHOP Exchange rules.