17 Free Oklahoma Life & Health Practice Questions: Health Providers and Products (2026)

Question 1 (Chapter 6)

John has a Hospital Indemnity policy that pays $200 per day of hospitalization. He is hospitalized for 5 days, and his total medical bill is $12,000. How much will the Hospital Indemnity policy pay directly to John?

• A) $12,000
• B) $200
• C) 80% of the total bill
• D) $1,000

Question 2 (Chapter 6)

A consumer takes out a $15,000 auto loan from an Oklahoma bank and purchases a Credit Disability policy. If the consumer becomes disabled, how are the benefits typically paid?

• A) The insurer pays a lump sum of $15,000 directly to the consumer.
• B) The insurer pays the monthly loan installments directly to the lender until the consumer recovers or the loan is paid off.
• C) The insurer pays for the consumer's medical bills and rehabilitation costs.
• D) The insurer pays the consumer's mortgage and utility bills.

Question 3 (Chapter 6)

Which of the following statements is true regarding Hospital Indemnity policies sold in Oklahoma?

• A) They pay benefits directly to the insured, who can use the money for any purpose.
• B) They are considered 'Minimum Essential Coverage' under federal law.
• C) They must provide the same benefits as a Major Medical plan.
• D) They are only available to individuals over the age of 65.

Question 4 (Chapter 6)

A Disability Income policy defines 'Total Disability' as the inability to perform the duties of 'Any Occupation' for which the insured is reasonably suited by education, training, or experience. This definition is:

• A) More restrictive (harder to qualify for) than an 'Own Occupation' definition.
• B) Less restrictive (easier to qualify for) than an 'Own Occupation' definition.
• C) Illegal under Oklahoma Insurance Code.
• D) Only applicable to Credit Disability policies.

Question 5 (Chapter 6)

In a Disability Income policy, the 'Elimination Period' functions most like which of the following in a Major Medical policy?

• A) A deductible.
• B) Coinsurance.
• C) An out-of-pocket maximum.
• D) A grace period.

Question 6 (Chapter 6)

An Oklahoma employee is terminated from her job and wishes to convert her group health coverage to an individual policy. According to standard group health provisions, how many days does she have to exercise this conversion privilege without proving insurability?

• A) 10 days
• B) 20 days
• C) 31 days
• D) 60 days

Question 7 (Chapter 6)

A family in Stillwater is involved in a car accident. Both the father and the daughter are hospitalized. Their Major Medical policy has a 'Common Accident Deductible.' How does this feature apply?

• A) Each family member must meet their own individual deductible separately.
• B) The deductible is waived entirely because the injuries were accidental.
• C) The insurer pays 100% of the claims, but only if the accident was caused by an uninsured motorist.
• D) Only one individual deductible must be satisfied for all family members injured in that single accident.

Question 8 (Chapter 6)

To protect against the eroding effects of inflation on the purchasing power of disability benefits, an Oklahoma consumer should add which rider to their Disability Income policy?

• A) Cost of Living Adjustment (COLA) Rider
• B) Guaranteed Insurability Rider
• C) Waiver of Premium Rider
• D) Return of Premium Rider

Question 9 (Chapter 6)

An Oklahoma worker has a Disability Income policy with a 'Waiver of Premium' provision. If he becomes totally disabled, when will the insurer typically begin waiving his premiums?

• A) After a specified period of total disability (usually 90 days or 6 months).
• B) Immediately on the first day of disability.
• C) Only after he has exhausted all of his savings.
• D) Never; the insured must pay premiums as long as the policy is in force.

Question 10 (Chapter 6)

An Oklahoma resident, Mark, is covered by a 'Hospital Indemnity' policy that pays $150 per day. He is hospitalized for 4 days due to a severe respiratory infection. His total hospital bill is $8,000, and his Major Medical plan covers $6,000 of it. How much will the Hospital Indemnity policy pay?

• A) $600 (the daily benefit multiplied by the number of days)
• B) $8,000 (the full bill)
• C) $2,000 (the remaining balance after Major Medical)
• D) $0 (because the Major Medical plan already paid a portion)

Question 11 (Chapter 6)

In an Oklahoma HMO, the 'Capitation' method of provider reimbursement means the doctor is paid:

• A) A fee for every individual service or procedure performed.
• B) A percentage of the HMO's annual profits.
• C) Only when the patient is successfully cured of their ailment.
• D) A fixed monthly fee for every HMO member assigned to them, regardless of whether the member is treated.

Question 12 (Chapter 6)

A dental patient in Norman is told he needs a root canal. The dentist submits a 'Predetermination of Benefits' to the insurer. What is the purpose of this?

• A) To allow the insurer to notify the patient and dentist of what will be covered before the treatment begins.
• B) To guarantee that the dentist will perform the surgery for free.
• C) To legally bind the patient to only use that specific dentist for life.
• D) To bypass the policy's deductible.

Question 13 (Chapter 6)

A husband and wife in Edmond both have group health insurance through their employers. They have a daughter. The husband's birthday is October 12, and the wife's birthday is May 4. Under the 'Birthday Rule' for Coordination of Benefits (COB), whose plan is primary for the daughter?

• A) The husband's plan, because he is the father.
• B) The wife's plan, because her birthday occurs earlier in the calendar year.
• C) The plan of the parent who has been employed longer.
• D) Both plans pay 50% of every claim simultaneously.

Question 14 (Chapter 6)

A producer in Tulsa holds only a 'Life' line of authority. A client asks to purchase a standalone Disability Income policy to protect their paycheck. Based on 36 O.S. §1435.8, how should the producer proceed?

• A) The producer must refer the client to an Accident and Health or Sickness producer, as Life authority does not include disability benefits.
• B) The producer can sell the policy because the Life line of authority in Oklahoma explicitly includes disability income benefits.
• C) The producer can only sell the policy if it is attached as a rider to a permanent life insurance policy.
• D) The producer must obtain a temporary Accident and Health license from the OID before completing the application.

Question 15 (Chapter 6)

An insured in Enid has a Major Medical policy with a $500 deductible and an 80/20 coinsurance clause. They incur a $2,500 covered medical bill. This is their first claim of the year. What is the insured's total out-of-pocket cost?

• A) $500
• B) $900
• C) $1,000
• D) $400

Question 16 (Chapter 6)

In a Preferred Provider Organization (PPO) operating in Oklahoma, what is the primary incentive for an insured to stay 'in-network'?

• A) Out-of-network care is prohibited by law.
• B) In-network providers are the only ones allowed to perform surgery.
• C) The insurer pays a higher percentage of the bill (e.g., 90% vs 70%).
• D) The insured does not have to pay any premiums if they stay in-network.

Question 17 (Chapter 6)

A Major Medical policy in Oklahoma uses a 'Per-Cause' deductible rather than an 'Annual' deductible. The insured has a $500 deductible. If the insured is treated for a broken leg in February and then a respiratory infection in June, how much deductible must they pay?

• A) $500 total for the year.
• B) $1,000 ($500 for each separate condition).
• C) $0 for the second illness.
• D) $250 for each condition.