Florida Life and Health Insurance License Practice Test

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Prepare for the Florida Life and Health Insurance License Test. Study with flashcards and multiple choice questions, each with hints and explanations. Get ready for your certification exam with ease!

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

Practice this question and more.

How is a condition treated if mentioned on a health insurance application and noted two months before policy issuance?

As not covered due to the look-back period
With immediate coverage as it's considered acute
As a pre-existing condition possibly not covered for a year
Ignored since it was disclosed before policy issuance

The correct answer is: As a pre-existing condition possibly not covered for a year

A pre-existing condition mentioned on a health insurance application and noted two months before policy issuance is typically treated as a pre-existing condition possibly not covered for a year. The look-back period for pre-existing conditions is usually one year, so any condition mentioned within that time frame may not be covered by the policy. This is to prevent individuals from waiting until they are ill to sign up for insurance. Option A is incorrect because even though there is a look-back period, it does not necessarily mean the condition will not be covered at all. Option B is incorrect as well, as immediate coverage is not guaranteed for pre-existing conditions. Option D is incorrect because disclosing a condition before policy issuance does not mean it will be ignored. It still falls under the pre-existing condition guidelines.