Maryland Life and Health Insurance License Practice Exam

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Prepare for the Maryland Life and Health Insurance Exam. Utilize flashcards and multiple-choice questions, each with hints and explanations. Achieve success in obtaining your license!

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What benefit is provided by a health insurance policy's preventive coverage?

It covers treatment for chronic illnesses
It covers annual check-ups and screenings
It offers cash benefits for hospitalization
It reduces the overall insurance premium

The correct answer is: It covers annual check-ups and screenings

A health insurance policy's preventive coverage is designed to promote early detection and prevention of illnesses, which is crucial for maintaining overall health. By covering annual check-ups and screenings, preventive coverage encourages individuals to seek routine medical care and assessments before health issues escalate into more serious problems that require extensive treatment. This type of coverage typically includes vaccinations, cancer screenings, and regular health check-ups, which help in identifying potential health risks at an early stage, thus promoting better health outcomes. By incentivizing these preventive services, health insurance policies aim to reduce the need for more costly treatments and hospitalizations down the line. Overall, the focus is on preventing health issues rather than solely treating them after they arise, making preventive care a vital component of health insurance.