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

The MIA (Insurance Article, § 2-207) can request and access producer records for audits or investigations, overriding privacy for regulatory purposes. Court orders or NAIC approval aren’t required, and access is a standard power.

References:Maryland Insurance Article, § 2-207; MIA regulatory authority.

A producer (Insurance Article, § 1-101(aa)) solicits and sells insurance primarily for commissions,distinguishing them from clerical staff, enrollment facilitators, or salaried insurer employees. This reflects their independent role.

References:Maryland Insurance Article, § 1-101(aa), § 10-101; MIA producer definitions.

Extended care under major medical (Insurance Article, § 15-201) requires continuous skilled nursing care (e.g., nursing home), not just terminal illness, surgery, or therapy, which have broadercriteria.

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

Dental insurance (Insurance Article, § 15-201) covers preventive care, X-rays, and root canals, but excludes treatment started before the eligibility date to avoid claims for pre-existing work. This ensures coverage applies only to services initiated under the policy.

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

Advertisements must identify the insurer (Insurance Article, § 27-503) to ensure transparency and avoid confusion. The Commissioner, beneficiary, and insured aren’t required in ads, as they don’t issue the policy.

References:Maryland Insurance Article, § 27-503; MIA advertising guidelines.

With a revocable beneficiary (Insurance Article, § 16-201), the policyowner retains the right to change the beneficiary, not the beneficiary, insurer, or producer, who lack such authority.

References:Maryland Insurance Article, § 16-201; MIA policy ownership rules.

The Maryland Benchmark Plan (Insurance Article, § 31-115) defines EHBs for individual and small group plans sold via the Maryland Health Connection Exchange, not Medicaid, Medigap, or pre-2014 off-Exchange plans.

References:Maryland Insurance Article, § 31-115; MIA ACA guidelines.

Medical expense insurance covers necessary treatments like chronic pain, eating disorders (under parity laws, § 15-802), and undiagnosed conditions if treated, but excludes intentionally self-inflicted injuries (e.g., suicide attempts) as non-accidental losses (Insurance Article, § 15-201).

References:Maryland Insurance Article, § 15-201, § 15-802; MIA health insurance exclusions.