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Divorce and Health Insurance

Description: This quiz will test your knowledge on the topic of Divorce and Health Insurance. The questions cover various aspects of how divorce can impact health insurance coverage.
Number of Questions: 15
Created by:
Tags: divorce health insurance family law
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Which of the following is NOT a common type of health insurance coverage that may be affected by divorce?

  1. Employer-sponsored health insurance

  2. Individual health insurance

  3. Medicare

  4. Medicaid


Correct Option: D
Explanation:

Medicaid is a government-sponsored health insurance program for low-income individuals and families, and is not typically affected by divorce.

In a divorce, the spouse who is covered under the other spouse's employer-sponsored health insurance plan may be eligible for what type of coverage?

  1. COBRA

  2. Individual health insurance

  3. Medicare

  4. Medicaid


Correct Option: A
Explanation:

COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that allows divorced spouses to continue their health insurance coverage under their former spouse's employer-sponsored plan for a limited period of time.

How long does COBRA coverage typically last after a divorce?

  1. 18 months

  2. 24 months

  3. 36 months

  4. 48 months


Correct Option: A
Explanation:

COBRA coverage typically lasts for 18 months after a divorce, but this can vary depending on the specific terms of the COBRA plan.

What is the maximum age at which a child can remain covered under a parent's employer-sponsored health insurance plan after a divorce?

  1. 18 years old

  2. 19 years old

  3. 21 years old

  4. 23 years old


Correct Option:
Explanation:

Under the Affordable Care Act, children can remain covered under a parent's employer-sponsored health insurance plan until they reach the age of 26, regardless of their marital status.

Which of the following is NOT a factor that can affect the cost of health insurance after a divorce?

  1. Age

  2. Health status

  3. Tobacco use

  4. Marital status


Correct Option: D
Explanation:

Marital status is not a factor that can affect the cost of health insurance after a divorce.

What is the best way to ensure that both spouses have health insurance coverage after a divorce?

  1. Discuss health insurance coverage during the divorce negotiations

  2. Enroll in an individual health insurance plan

  3. Apply for government-sponsored health insurance programs

  4. All of the above


Correct Option: D
Explanation:

The best way to ensure that both spouses have health insurance coverage after a divorce is to discuss health insurance coverage during the divorce negotiations, enroll in an individual health insurance plan, and apply for government-sponsored health insurance programs if eligible.

What is the name of the federal law that protects the health insurance rights of divorced spouses?

  1. COBRA

  2. HIPAA

  3. ERISA

  4. ACA


Correct Option: A
Explanation:

COBRA (Consolidated Omnibus Budget Reconciliation Act) is the federal law that protects the health insurance rights of divorced spouses.

Which of the following is NOT a right guaranteed to divorced spouses under COBRA?

  1. The right to continue coverage under their former spouse's employer-sponsored health insurance plan

  2. The right to choose their own health insurance plan

  3. The right to have their premiums paid by their former spouse

  4. The right to have their deductibles and copayments waived


Correct Option: C
Explanation:

COBRA does not guarantee the right to have premiums paid by the former spouse.

How much does COBRA coverage typically cost?

  1. The same as the cost of the employer-sponsored plan

  2. More than the cost of the employer-sponsored plan

  3. Less than the cost of the employer-sponsored plan

  4. It varies depending on the plan


Correct Option: B
Explanation:

COBRA coverage typically costs more than the cost of the employer-sponsored plan because the divorced spouse is no longer eligible for the employer's contribution to the premium.

What is the maximum amount of time that a divorced spouse can remain covered under COBRA?

  1. 18 months

  2. 24 months

  3. 36 months

  4. 48 months


Correct Option: C
Explanation:

The maximum amount of time that a divorced spouse can remain covered under COBRA is 36 months.

What is the name of the federal law that prohibits group health plans from denying coverage to individuals with pre-existing conditions?

  1. COBRA

  2. HIPAA

  3. ERISA

  4. ACA


Correct Option: B
Explanation:

HIPAA (Health Insurance Portability and Accountability Act) is the federal law that prohibits group health plans from denying coverage to individuals with pre-existing conditions.

Which of the following is NOT a right guaranteed to individuals with pre-existing conditions under HIPAA?

  1. The right to be denied coverage

  2. The right to be charged higher premiums

  3. The right to have their pre-existing condition excluded from coverage

  4. The right to appeal a denial of coverage


Correct Option: A
Explanation:

HIPAA prohibits group health plans from denying coverage to individuals with pre-existing conditions.

What is the name of the federal law that requires employers to offer health insurance coverage to their employees?

  1. COBRA

  2. HIPAA

  3. ERISA

  4. ACA


Correct Option: C
Explanation:

ERISA (Employee Retirement Income Security Act) is the federal law that requires employers to offer health insurance coverage to their employees.

Which of the following is NOT a requirement for employers under ERISA?

  1. To offer health insurance coverage to their employees

  2. To contribute to the cost of health insurance premiums

  3. To provide employees with a choice of health insurance plans

  4. To cover all of their employees' medical expenses


Correct Option: D
Explanation:

ERISA does not require employers to cover all of their employees' medical expenses.

What is the name of the federal law that requires health insurance plans to cover certain essential health benefits?

  1. COBRA

  2. HIPAA

  3. ERISA

  4. ACA


Correct Option: D
Explanation:

ACA (Affordable Care Act) is the federal law that requires health insurance plans to cover certain essential health benefits.

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