LLQP Accident & Sickness · Component 2.1 · 30% of the exam
An extended health plan's vision benefit is usually structured as:
- AFull reimbursement of eyewear and eye examinations whenever the member requires them
- BA benefit payable only after the member has exhausted the provincial plan's vision coverage
- A capped amount available over a stated number of months, often with a separate exam benefit
- DA per-visit payment made directly to the optometrist under a negotiated provider agreement
Correct answer: C) A capped amount available over a stated number of months, often with a separate exam benefit
Vision benefits are among the most tightly capped in a health plan, with a fixed allowance renewed on a set cycle rather than co-insurance on the full cost.
Why the other options are wrong
- AUnlimited reimbursement is not offered by any standard plan.
- BProvincial vision coverage is limited to certain ages and conditions.
- DPayment arrangements do not define how the benefit is structured.
Exam tip
Vision is a capped allowance on a cycle, not open co-insurance.
Common mistake
Telling a member their glasses will be fully covered.
What this tests
CISRO competency component 2.1 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.