South Carolina Laws and Rules Practice Exam

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• Which metal tier under the Affordable Care Act has an actuarial value of 70%, with covered individuals paying 30% through various cost-sharing features?
• Who is responsible for enforcing the insurance laws in South Carolina?
• An insurer is REQUIRED to offer which of the following to long-term care applicants at the time of purchase?
• What should a nurse do if they have doubts about a medication order?
• What is an example of an exception to confidentiality in counseling?
• What are the requirements for a nursing school to be approved in South Carolina?
• When the Director is examining an insurer's books and records, the insurer must?
• A domestic insurance company in South Carolina MUST be formed under what legal framework?
• Who issues a certificate of authority in South Carolina?
• What does informed consent in counseling ensure?
• Which of the following is required for an insurer to conduct business in South Carolina?
• Which type of insurance policy typically does NOT cover hotel or travel expenses during medical treatment?
• What is required from an insurer during an examination by the Director?
• Under which circumstance can nurses in South Carolina disclose patient information without consent?
• How many continuing education hours are required for South Carolina licensed counselors every two years?
• In South Carolina, what MUST be appointed to conduct insurance transactions?
• What is the purpose of the South Carolina Life and Health Insurance Guaranty Association?
• What should a counselor do if they recognize their personal biases affecting their work?
• The branch of dentistry that deals with the replacement of missing parts is called?
• What is the role of the South Carolina Legislative and Regulatory Affairs in healthcare?
• How is 'competence' legally defined in the nursing profession?
• What is the primary focus of the South Carolina Board of Nursing?
• During the course of an insurance transaction, which of the following is NOT a duty of the producer?
• The Fair Credit Reporting Act protects consumers by providing guidelines regarding what?
• Proof of loss for a health insurance claim must be submitted to the insurer within how many days after the date of loss?
• A hospital or medical expense policy will typically cover dental treatment expenses if?
• What steps should a counselor take when they suspect a client is in crisis?
• Which entity does a producer NOT have a fiduciary responsibility to?
• Which of the following is an example of an Unfair Claim Settlement Practice?
• What is the main difference between a registered nurse (RN) and a licensed practical nurse (LPN) in South Carolina?
• How does South Carolina define 'informed consent'?
• When recommending that a prospect replace an existing life insurance policy, which document does NOT need to be provided at or before policy delivery?
• What does the term "professional supervision" refer to in counseling practice?
• What does the term "informed consent" refer to in counseling?
• When must a claim on a life insurance policy be paid after proof of loss has been received by the insurer?
• What is the key objective of ethical guidelines in counseling?
• Which of the following is required to obtain a nursing license in South Carolina?
• Which of the following practices is essential for quality nursing care in a nursing home?
• A carrier for a small group health plan may refuse to renew the plan if the employer fails to?
• How often does the Director examine each domestic insurance company?
• What is the primary purpose of the South Carolina Licensing Board for Professional Counselors?
• What constitutes malpractice in the field of counseling?
• Which is one of the roles of the Director of Insurance?
• A life insurance replacement transaction allows the policy owner to return the policy for a full refund within how many days of delivery?
• Which document must an insurer have to legally operate in South Carolina?
• A temporary license is valid for a maximum of how many days?
• What is mandatory reporting in South Carolina?
• What are the licensing requirements for nurse anesthetists in South Carolina?
• How often must a nursing license be renewed in South Carolina?
• What aspect of telehealth is regulated for nurses in South Carolina?
• What is an ethical concern when providing distance counseling services?
• If a health insurance claim is not promptly paid, legal action may be taken after?
• What type of insurance policy protects against claims resulting from injuries to others or damage to their property?
• If a new enrollee to a group health plan has had previous credible coverage, for up to how many days prior to enrollment will the Pre-existing Condition Provision apply?
• A licensed producer MUST be ________ by an insurer to be eligible for soliciting insurance contracts.
• How can a nurse show continued competency in South Carolina?
• How does the Nursing Home Licensure Act impact nursing practice?
• What happens if a counselor practices without a license in South Carolina?
• Why is maintaining accurate medical records significant in nursing?
• What is the role of the South Carolina Board of Social Work Examiners?
• Long-term care policies sold in South Carolina may exclude coverage related to which of the following?
• What is the recommendation for counselors when participating in social media?
• All long-term care policies sold in South Carolina are REQUIRED to pay the SAME daily benefit for "at home" care as compared to?
• What does the term "dual relationships" mean in a counseling context?
• How can counselors ensure they adhere to ethical standards in their practice?
• What is the primary goal of psychotherapy as defined by South Carolina regulations?
• According to the Affordable Care Act (ACA), a Silver plan provides what actuarial level of coverage?
• What is a valid reason for an insurer to refuse an insurance policy?
• What is the primary regulatory body for the practice of nursing in South Carolina?
• What is the significance of the Health Insurance Portability and Accountability Act (HIPAA)?
• Which group does a producer owe a fiduciary duty to?
• What ethical principle emphasizes professionalism in counselor-client relationships?
• A temporary producer license issued in South Carolina is valid for?
• What is the required supervision period for associate-level counselors in South Carolina?
• What is a primary benefit of having certified nurse midwives in healthcare?
• What is the primary purpose of dental expense insurance?
• Who has the authority to issue a temporary nursing license in South Carolina?
• What is an essential quality for counselors in dealing with clients from diverse backgrounds?
• What must be appointed in order to conduct insurance transactions in South Carolina?
• Certified nurse midwives are trained to provide care in which of the following areas?
• What is an important ethical issue when dealing with clients from vulnerable populations?
• What must producers provide to prospects in life insurance policy replacement transactions?
• Are nurses in South Carolina permitted to refuse assignments?
• Which of the following is NOT a requirement for obtaining a counseling license in South Carolina?
• How long can a temporary license typically last in South Carolina?
• Which of the following is NOT required to be covered by long-term care insurance policies in South Carolina?
• What is the minimum educational requirement for becoming a licensed practical nurse (LPN) in South Carolina?
• What are potential consequences of professional misconduct for nurses in South Carolina?
• What should a nurse do if they suspect a colleague of substance abuse?
• Which ethical principle emphasizes the importance of avoiding harm to clients?
• Which of the following statements is true regarding telehealth practices in South Carolina?
• What is the continuing education requirement for RNs and LPNs for license renewal in South Carolina?
• Are South Carolina nursing licenses valid in other states?
• An insurer may exclude preexisting conditions on a Medicare Supplement policy for how many months?
• Which is NOT a requirement under the Fair Credit Reporting Act for insurers?
• What type of education do certified nurse midwives receive?
• What is the main purpose of the License Verification system in South Carolina?
• How are patient rights preserved in South Carolina?
• Which type of dental treatment does a hospital policy typically cover?
• When is an insurance policy considered "grandfathered" under the Affordable Care Act?
• What is a requirement for an individual to obtain a producer license in South Carolina?
• If the cause of death appears to be accidental, an insurer may require a?
• Which of the following is NOT considered an Unfair Claim Settlement Practice?
• What is the expected behavior of counselors regarding cultural competence?
• Are South Carolina nurses required to carry malpractice insurance?
• What must a licensed professional counselor do to maintain their license in South Carolina?
• If a Medicare Supplement policy replaces another that had been in effect for at least 6 months, the replacing policy may impose which of the following time exclusions for pre-existing conditions?
• Under what circumstances can client information be disclosed to third parties in South Carolina?
• Who among the following is required to complete continuing education?
• What constitutes 'abandonment' in nursing practice?
• What does the South Carolina Code of Laws Title 40 entail?
• Which type of insurance is specifically designed to assist with non-acute care needs?
• Twisting is BEST defined as?
• Why is it important for nurses to comply with the Nursing Home Licensure Act?
• What is the minimum legal age for a person to consent to medical treatment in South Carolina?
• Who is permitted to file a complaint against a nurse in South Carolina?
• If a producer had broken a state insurance statute, the Director may issue a cease and desist order. This order demands that the producer?
• Who is responsible for filing complaints against licensed professionals in South Carolina?
• After how many years from the date of issue can a policy no longer be canceled by the insurer for misstatements (except for fraud)?
• Who must be notified when a licensee's address has changed?
• An indemnity plan limitation that pays dental bills after a certain amount is paid by the insured is known as?
• What must nurses obtain before practicing as a nurse practitioner in South Carolina?
• What type of offenses must nurses report to the South Carolina Board of Nursing?
• In South Carolina, which of the following is not a requirement for insurers regarding claims processing?
• What requirements must nurses meet in relation to telehealth practices in South Carolina?
• Under what circumstances may a commission be shared between two producers?
• What is the penalty for practicing nursing without a valid license in South Carolina?
• What consequence can a nurse face for not reporting a criminal conviction?
• Which of the following is NOT a duty of the Director?
• What is the process for renewing a counseling license in South Carolina?
• What is the Nurse Licensure Compact (NLC)?
• What is the purpose of informed consent forms in counseling?
• If a nurse witnesses patient abuse in South Carolina, what must they do?
• A licensee MUST notify the Department of a legal name change?
• What is the primary role of the South Carolina Department of Health and Environmental Control (DHEC)?
• What constitutes a breach of confidentiality in counseling?
• When can a counselor break confidentiality without client consent?
• Which of the following is a critical component of maintaining client trust?
• Under South Carolina law, what is generally required for an insurance claim to be deemed valid?
• Which of the following best describes the role of certified nurse midwives?
• What does the Nurse Practice Act define in South Carolina?
• What defines a "medical emergency" in the context of mental health?
• Which of the following is considered an example of legal inducement?
• The typical free look period for life insurance policies sold in South Carolina is how many days?
• What is the consequence of failing to complete the required continuing education in South Carolina?
• Why is informed consent important in counseling?
• What must happen if a producer wants to operate under a business entity in South Carolina?
• According to the Affordable Care Act, which date marks the cut-off for grandfathered plans?
• What is the primary focus of the South Carolina Marriage and Family Therapy Act?
• In South Carolina, what does "scope of practice" refer to?
• What is the potential consequence for negligent patient care in South Carolina?
• How often should licensed counselors seek continuing education?
• What must licensed professionals do if they move out of the state of South Carolina?
• What regulatory measures do the Nursing Home Licensure Act enforce?
• South Carolina requires that a licensee completes how many hours of continuing education on the topic of ethics every reporting period?
• How long may an insurer defer payment of the cash surrender value?
• Under South Carolina law, how long should a counseling record be retained?
• How is a "nurse practitioner" defined in South Carolina?
• In South Carolina, what must nurses maintain when delivering telehealth services?
• All of the following are typically included in a life insurance policy illustration EXCEPT?
• What defines a 'professional nurse' in South Carolina?
• To whom should a counselor report if they believe a colleague is violating ethical standards?
• Which act governs the practice of psychology in South Carolina?
• What must be reported to the South Carolina Board of Nursing?
• What constitutes a "medical malpractice" claim in South Carolina?
• How many days notice is the Director required to give before a disciplinary hearing?
• What does 'scope of practice' refer to for nurses?
• What distinguishes a "certified nurse midwife" in South Carolina?
• What does the Nursing Home Licensure Act specifically regulate?
• What is included in the scope of practice for registered nurses in South Carolina?
• What is the South Carolina Code of State Regulations?
• What is the maximum time frame for a South Carolina life insurance policy to pay out claims after they are approved?
• What specific hours of pharmacology are required within the 30 hours of continuing education?
• What can result from practicing without a license in South Carolina?
• What are the consequences of engaging in fraudulent practices in counseling?
• How should a counselor manage potential conflicts of interest?
• What is a counselor's ethical duty regarding client welfare?
• In South Carolina, what is the minimum age for a client to give informed consent for therapy?
• Which type of patient information is protected under HIPAA regulations in South Carolina?
• In South Carolina, what is the grace period for a life insurance policy?
• How long does the South Carolina Board of Nursing keep records of disciplinary actions?
• Which ethical principle involves recognizing a client's autonomy and decision-making?
• According to the Affordable Care Act, what is the maximum amount an individual can contribute to a Flexible Savings Account?
• The free look period in South Carolina for individual health insurance policies is?
• What is one of the primary responsibilities of a counselor regarding ethics?
• An eligible employee can be excluded from group health coverage for up to how many months if considered a "late enrollee"?
• What must a licensed counselor do if they suspect a client is a danger to themselves or others?
• What agency handles complaints regarding licensed counselors in South Carolina?
• An insurer may legally defer payment of cash surrender value for up to?
• Under which circumstance may a commission be shared between two producers?
• After a disability policy has been in force for how many years is it considered incontestable?
• What is the usual free look period provided in a life insurance policy?
• What does "competence" mean in the context of professional ethics for counselors?
• If a nurse changes their name or address in South Carolina, what action must they take?
• What is the role of peer consultation in ethical practice?
• Which of the following actions by a producer would NOT result in a license suspension or revocation?
• Which of the following items is NOT subject to false advertising regulations?
• What is the legal age of consent for mental health treatment in South Carolina without parental consent?
• What is one of the requirements for an individual to obtain a counseling license in South Carolina?
• A license can be denied or revoked by the Director for which of the following reasons?
• How often must licensed counselors renew their licenses in South Carolina?
• How should a counselor handle unsolicited communications from clients outside of therapy sessions?
• How long is a temporary producer license valid in South Carolina?
• What is the duty of care in counseling?
• Which of the following types of insurance must adhere to specific reserve requirements under South Carolina law?
• Which of the following does restorative dental treatment cover?
• What is the significance of the Patient Protection and Affordable Care Act for South Carolina nurses?
• Which of the following is essential for maintaining client confidentiality?
• What are the levels of coverage as defined by the Affordable Care Act?
• Which action is considered a breach of professional ethics in counseling?
• What measures should be taken to protect client records from unauthorized access?
• How should a counselor approach a situation where a client is at risk of harming themselves?
• For how long must producers maintain transaction records of their business?
• What does long-term care insurance provide?
• What action is REQUIRED by a producer when replacing an existing life insurance policy?
• Under what conditions can advanced practice nurses prescribe medication in South Carolina?
• What is the required action if a health insurance claim is not paid promptly?
• A life policy loan in South Carolina cannot charge a fixed rate of interest higher than?
• Victoria's producer license was initially issued on July 18, 2017. When will her license renew?
• How many hours of documented practice are required for license renewal for RNs in South Carolina?
• A Medicare Supplement policy can be canceled by the insurer for which reason?
• What is defined by "therapeutic boundaries" in a counseling relationship?
• What type of insurance requires a Certificate of Authority to conduct business?
• How is an insurance producer BEST described?
• What is the role of an insurance producer regarding client policies?
• What is required of nurses in South Carolina regarding patient confidentiality?
• What is one of the primary goals of the Nursing Home Licensure Act?
• How can a counselor demonstrate cultural competence?
• What must South Carolina nurses do when asked to perform a task outside of their competency?
• A common exclusion or elimination on dental policy is?
• What is the measurement standard for continuing education in South Carolina for counselors?
• Within how many days after policy delivery can an individual life insurance policy be returned for a 100% premium refund?
• Which example best illustrates insurance fraud?
• What is the purpose of the South Carolina Board of Examiners in Psychology?
• Which statement about the Fair Credit Reporting Act is TRUE?
• What are the potential repercussions for violating client confidentiality in a counseling setting?
• A form of medical health insurance that covers treatment and care of gum disease is called?
• What is the minimum education requirement for a licensed marriage and family therapist in South Carolina?
• What authority does the South Carolina Board of Nursing have regarding disciplinary actions?
• What is the South Carolina Board of Nursing's process for investigating complaints?