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

Medicare Part D covers outpatient prescription drugs, not medical (Part B), hospital (Part A), or dental (excluded) expenses, per federal law applicable in Maryland. It fills a key gap for enrollees’ medication costs.

References:Medicare guidelines; Maryland Insurance Article, § 15-901.

Misrepresenting coverage post-loss (Insurance Article, § 27-303) is an unfair claims practice, deceiving claimants about benefits. Concealment applies pre-policy, discrimination involves unequal treatment, and adhesion relates to contract terms, not claims.

References:Maryland Insurance Article, § 27-303; MIA claims practices.

Producers (Insurance Article, § 10-126) typically collect the initial premium with the application and forward it to the insurer, streamlining the process, unlike direct payment, billing, or bank drafts, which are less common initially.

References:Maryland Insurance Article, § 10-126; MIA producer procedures.

The Maryland Insurance Administration (MIA) is a state agency under Insurance Article, § 2-101, regulating insurance within Maryland. The federal government oversees broader laws, the NAIC is a voluntary group, and the General Assembly legislates, but the MIA operates as an executive state entity.

References:Maryland Insurance Article, § 2-101; MIA official structure.

Under Insurance Article, § 15-401, coverage for handicapped children extends beyond age limits if they’re incapacitated (unable to work) and dependent on the insured at the age limit. Insurability isn’t required, incapacity alone isn’t enough, and dependency isn’t time-limited to two years.

References:Maryland Insurance Article, § 15-401; MIA dependent coverage rules.