when:
Premiums have not been paid and the grace period expires
Cheryl has filed a claim for a hospital stay with her insurance company. She has complied with all time lines, but the insurance company has been unresponsive to date. Her health care providers are calling her for payment and threatening to turn her account over to a collection agency. How long does Cheryl have to wait until she can take legal action against the insurance company?
20 days
30 days
60 days
All of the following provisions are mandatory in health policies EXCEPT:
Coinsurance provision
Bill has a policy that will always be the same premium. He has which of the following?
A guaranteed renewable policy
A noncancellable policy
A pre-existing condition clause protects the insurance company against:
Fraud
Misrepresentation
Adverse selection
A health insurance policy will generally exclude all of the following losses EXCEPT:
Injuries sustained while falling off a ladder
Winston applied for a health insurance policy stating that he had never had heart trouble, even though he had suffered a heart attack one year prior to making the application. Winston has a heart attack 2 months after the policy is issued. The insurance company cancelled the policy and refunded his premiums. Under what clause does the insurance have the right to take this action?
Pre-existing condition exclusion
Warren has followed the procedure to initiate a claim for a hospital stay. His insurance company has requested

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