Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Health Insurance & Residual Markets Practice Questions
Health Insurance & Residual Markets makes up 2 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 8 of the 8 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the Florida all-lines adjuster content outline effective January 2026. Original questions; 50 per test, weighted like the real 100-question exam. Not affiliated with the Florida Department of Financial Services or Pearson VUE.
1. In a health maintenance organization, a member's primary care physician usually acts as a:
- A.Utilization auditor
- B.Gatekeeper for referrals
- C.Claims adjuster for the plan
- D.Plan underwriter
Answer: B. In an HMO, the primary care physician coordinates care and must refer the member to specialists for the HMO to pay, outside of emergencies.
2. A disability income policy's elimination period is the time:
- A.To appeal a denial
- B.To pay the premium
- C.After benefits end
- D.Before benefits begin
Answer: D. The elimination period works like a time deductible: no benefit is paid for disability during it.
3. Citizens Property Insurance Corporation is best described as:
- A.A state government entity
- B.A mutual owned by agents
- C.A private stock insurer
- D.A federal flood program
Answer: A. s. 627.351(6) describes Citizens as a government entity that is an integral part of the state and not a private insurance company.
4. Florida is phasing in a rule that Citizens personal lines residential policyholders must also carry:
- A.Mechanical breakdown
- B.Sinkhole coverage
- C.Flood insurance
- D.Umbrella liability
Answer: C. s. 627.351(6) requires Citizens personal lines policyholders to have flood coverage, phased in by dwelling replacement cost from January 1, 2024 to January 1, 2027 for all remaining properties.
5. Citizens Property Insurance Corporation is meant for property owners who:
- A.Own large commercial auto fleets
- B.Want flood-only protection
- C.Cannot get coverage elsewhere
- D.Have the lowest risk scores
Answer: C. Citizens is Florida's residual market for property: it covers owners entitled in good faith to insurance who cannot obtain it in the voluntary market.
6. The Florida Automobile Joint Underwriting Association provides:
- A.Auto coverage when none is available
- B.Workers' comp for employers
- C.Health plans for drivers
- D.Flood coverage for coastal homeowners
Answer: A. The FAJUA is Florida's residual market for auto insurance, for drivers unable to buy coverage in the voluntary market.
7. A Florida employer that cannot buy workers' compensation in the voluntary market can turn to the:
- A.Insurance Guaranty Association
- B.Automobile JUA
- C.Citizens Property Insurance
- D.Workers' Compensation JUA
Answer: D. The Florida Workers' Compensation Joint Underwriting Association is the residual market for employers unable to obtain coverage voluntarily. FIGA pays claims of insolvent insurers.
8. A Medicare supplement policy is designed to pay:
- A.Long-term custodial care
- B.Prescription drugs only
- C.Medical costs before age 65 only
- D.Gaps in Medicare Parts A and B
Answer: D. Medicare supplement (Medigap) policies pay deductibles, coinsurance and other gaps in Original Medicare Parts A and B; custodial care and most drug costs are outside them.
Practice all 8 health insurance & residual markets questions, and the rest of the 200-question bank, in the free FL 6-20 Adjuster training sets. Questions you miss come back until you have mastered them.
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