California Life and Health Insurance Practice Exam

An eligible individual who would like to obtain group health insurance without providing evidence of insurability must?

1. Be a dependent of an employee

2. Enroll within a specified eligibility period

3. Have previous coverage

4. Apply prior to employment

The correct answer is: Enroll within a specified eligibility period

To obtain group health insurance without needing to provide evidence of insurability, an eligible individual must enroll within a specified eligibility period. This is designed to streamline the enrollment process and ensure that individuals can obtain coverage without the usual underwriting requirements, which typically involve assessing their health status and medical history. During this eligibility period, often associated with job commencement or other qualifying life events, participants can sign up for insurance plans without additional scrutiny. This approach simplifies access to health coverage and encourages participation, particularly for those who may have pre-existing conditions that could otherwise complicate their insurance acquisition. While being a dependent of an employee, having previous coverage, or applying prior to employment may all have relevance in different contexts or scenarios, the critical factor for seamless enrollment without evidence of insurability centers on adhering to the designated eligibility period set by the insurance provider or employer.