Maryland Life and Health Insurance License Practice Exam

Which of the following is typically NOT eligible for coverage in a group health policy?

1. Full-time employees

2. Temporary employees

3. Part-time employees

4. Dependents of employees

The correct answer is: Temporary employees

In group health insurance policies, coverage typically extends to full-time employees and can often extend to dependents of those employees as well. However, temporary employees generally do not qualify for coverage. This is primarily because group health insurance plans are designed to provide benefits to individuals who are employed on a longer-term basis and have a more stable association with the employer. Temporary employees usually work for a limited duration and may not meet the criteria set by the employer or the health insurance plan for coverage eligibility. Part-time employees may sometimes be covered, depending on the specific employer policies and how they define eligibility. Therefore, within the context of typical eligibility for group health policies, temporary employees are the least likely to be included.