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Indigo Health Plan advertised a specific individual health insurance policy through a direct mail advertisement that provided detailed information about the product. In order to comply with the NAIC Model Rules Governing Advertisements of Accident and Sickness Insurance, Indigo must disclose whether the advertised policy contains any exceptions, reductions, or limitations. Thus, Indigo disclosed in the advertisement that one policy provision limits coverage for dental exams to $50 per exam and to one exam per calendar year. This information indicates that, with respect to the definitions in the NAIC Model Rules, Indigo's advertisement is an example of an
Suggested Answer: B
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8 comments · newest first
JO
Jolene
1 year ago
I thought exceptions were more about what’s not covered, not limits like this.
NA
Nadine
1 year ago
It's a reduction in coverage for sure, not an exception.
AL
Alberta
1 year ago
Wait, are they really limiting dental exams to just $50? That seems low!
EL
Elly
1 year ago
I agree, it’s clearly stating a limitation on coverage.
LE
Lezlie
1 year ago
This is definitely an invitation to contract with an exception.
WE
Wenona
1 year ago
Hmm, I'm not sure about this one. I'll have to think it through carefully.
AI
Ailene
1 year ago
Yep, this is true. The ASBR has to have a connection to the backbone to function properly.
LA
Lashandra
1 year ago
The Getting Started Guide is usually a good place to start for basic information, but for more advanced procedures, the Reference Guide is probably the best bet.