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!

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What is required in the Florida Employee Health Care Access Act for small group benefit plans?

Low-cost options
High-deductible plans
Guarantee-issue basis
Employee wellness programs

The correct answer is: Guarantee-issue basis

The Florida Employee Health Care Access Act requires small group benefit plans to be provided on a guarantee-issue basis, meaning that the insurance company cannot deny coverage to an individual because of pre-existing conditions or health status. Low-cost options and high-deductible plans may be available, but they are not specifically required by this act. Similarly, while employee wellness programs may be included in the benefit plans, they are not a required component under this act. Therefore, guarantee-issue basis is the only choice that accurately reflects a requirement of the Florida Employee Health Care Access Act for small group benefit plans.