M completes an application for health insurance but does not pay the initial premium. All of these actions must occur before M's policy goes into effect EXCEPT


policy is delivered

free-look period has expired

insurance company issues policy

initial premium is collected

Answers

Answer 1

Answer:

All of these actions must occur before M's policy goes into effect except the expiry of the free-look period.

Explanation:

Soon after the application for the health insurance is submitted and accepted, the free-look period comes into effect. During this period, specifically, the buyer of the policy is not mandatorily required to pay the initial premium for the policy. This is the reason the period has been named as 'free-look period'. Hence, it can be said that M has not paid the initial premium because the free-look period has not expired yet.
Answer 2
Final answer:

Before M's health insurance policy goes into effect, the policy must be issued, delivered, and the initial premium collected. The 'free-look period has expired' does not need to occur before the policy goes into effect, as this period actually comes into play after the policy starts.

Explanation:

The question pertains to the events that must occur before an individual's health insurance policy becomes effective. When M completes an application for health insurance but does not pay the initial premium, there are certain steps that need to occur for the coverage to start. The policy must be issued by the insurance company, the policy has to be delivered to M, and typically, the initial premium must be collected. However, the choice 'free-look period has expired' does not need to occur before the policy goes into effect as the free-look period allows the policyholder to cancel the policy within a certain timeframe after the policy has started. Therefore, the expiration of the free-look period is not a prerequisite for the policy's effectiveness.

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Related Questions

Bruce and Kaitlin are expecting a baby girl, and are shopping for decorations for the nursery. Kaitlin is concerned about making sure that they buy colored decorations that will stimulate their newborn daughter’s.
a) rods.
b) cones.
c) kinetic cues.
d) retinal disparity.

Answers

Answer:

Cones

Explanation:

Cones are cells found in the eyes. These cells are found in the center of the eye. Cones cells are responsible for color vision. These cells are not active at night vision. These cells are responsible for high spatial acuity. The cones are more populated in the central fovea. There are found three types of cells in eyes such as short cells, medium cells, and large cells. These cells are also called S-cells, M-cells, and L-cells.  

Thu here in the above question Bruce and Kaitlin expecting a baby and they want shopping for their baby. So they buy colored clothes so their baby can develop their cones cells more.

Final answer:

Deciding on nursery colors can stimulate a newborn's rods and cones. Initially, newborns see high contrast colors best like black and white - these colors can stimulate a baby's vision best. As they grow, bright and varied colors will stimulate their cones and help them see a wider spectrum of color.

Explanation:

When it comes to stimulating a newborn's vision, we talk about rods and cones, two types of light-sensitive cells in the retina of the eye. Rods are responsible for vision at low light levels, while cones are active at higher light levels and are the source of color perception. Since newborns initially see high contrast colors best - specifically black and white - these colors can stimulate a baby's vision most effectively. However, as babies grow, bright and varied colors will be more stimulating as their cones develop and allow them to see a wider spectrum of color.

While kinetic cues and retinal disparity are also important for visual perception, they do not relate directly to color perception and so would not be a primary concern when choosing color decorations for the nursery.

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Emile Durkheim is remembered for the path-breaking research in which he found that are influenced by ______________________, and not just by individual choices.

Answers

Answer:

influenced by social factors

Explanation:

Emile Durkheim is remembered for the path-breaking research in which he found that are influenced by social factors and not just by individual choices.

The rates which are influenced by social factors are s u i c i d e

note: since this word is in appropriate so with it with spaces

Based on previous court rulings, which of the following scenarios would most likely violate the equal protection clause of the Fourteenth Amendment?

Answers

Answer:

For the first set of options, the correct answer is "A public school system uses race-based segregation"

For the second set of options, the correct answer is "A state law criminalizes intermarriage between white and black citizens"

Explanation:

The Equal Protection clause of the Fourteenth Amendment mandates all state to govern its people without any form of partiality. This means that no distinctions or segregation should be drawn between two different sets of people of group based on different that are not relevant to the objectives of a legitimate government. In this light, a public system that uses race-based segregation already violates this clause. Also criminalizing marriage between black and white implies that a distinction is drawn between blacks and whites and this is a racial segregation and hence violates the equal protection clause.

Final answer:

Unequal treatment based on protected characteristics like race, color, ethnicity, sex, and sexual orientation violates the equal protection clause of the Fourteenth Amendment. The government can only treat people unequally if there is an important or compelling government interest. For example, anti-sodomy statutes were found to violate individuals' liberty and privacy rights under the Fourteenth Amendment.

Explanation:

Based on previous court rulings, the scenario that would most likely violate the equal protection clause of the Fourteenth Amendment is when the government treats people unequally based on factors such as race, color, ethnicity, sex, gender, sexual orientation, religion, or disability. The reason for such unequal treatment must serve an important government interest or a compelling government interest. For example, in Lawrence v. Texas, the Supreme Court concluded that anti-sodomy statutes violated the due process clause of the Fourteenth Amendment, as they infringed on individuals' liberty and privacy rights.

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Chan has started a project comparing ethnographic data about health-care practices in a Mozambique village to data about similar techniques in rural Kentucky. This approach is known as?

Answers

Answer:

ethnology.                      

Explanation:

Ethnology: In anthropology, the term ethnology is defined as the study of structures and the members of a particular culture and the member's relationship with their culture. Ethnology analyzes and compares the different characteristics of distinct people and the existing relationship between both. It helps an anthropologist to identify unique features of a particular culture.

In the question above, the given statement's approach is known as ethnology.

Anaerobic is used in reference to exercise that primarily uses the energy system known as oxidative phosphorylation. Group of answer choices True False

Answers

Answer:

False

Explanation:

Anaerobic or "without oxygen" is the exercise that primarily uses energy systems that are not dependent on oxygen such as creatine phosphate or anaerobic glycolysis. Aerobic, on the other hand, primarily uses the oxygen-dependent energy system like oxidative phosphorylation.

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Giving half the members of a group some purported psychological finding and the other half an opposite finding is an easy way to demonstrate the impact of A) risk prediction. B) skeptical scrutiny. C) hindsight bias. D) an empirical approach.

Answers

The correct answer is letter C

Explanation: Giving half the members of a group some purported psychological finding and the other half an opposite finding is an easy way to demonstrate the impact of the hindsight bias

Final answer:

The question presents a scenario which demonstrates the concept of hindsight bias. This is an overestimation of our ability to have predicted an event we could not have possibly foreseen. In the scenario, members of a group are given opposing findings, highlighting how easily hindsight bias can be induced.

Explanation:

The scenario described in your question is typically used to demonstrate the concept of C) hindsight bias. Hindsight bias, often referred to as the 'knew-it-all-along' effect, is a common cognitive bias that causes people to overestimate their ability to have predicted an outcome that they could not have possibly predicted. In your example, giving half the members of a group some supposed psychological finding and the other half an opposing finding, then asking them to recall their original preconceptions, is a way to demonstrate how easily hindsight bias can be induced. The members of the group would likely believe they had predicted or understood the given information all along, regardless of the opposing findings presented to them.

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According to Erikson, an emotional and psychological closeness thatis based on the ability to trust, share, and care, while still maintainingone's sense of self, is called ________.a. bondingb. intimacyc. attachmentd. attraction

Answers

Answer: Intimacy

Explanation: According to Erikson's eight stages of psychosocial development which describes sequential personality development in an individual from infancy to adulthood.

Intimacy and Isolation marks the sixth stage of Erikson's psychosocial theory which occurs between age 18-25. It centers on moulding affectionate and close relationships with other people especially those who aren't part of our family. The ability to develop a sense of trust, commitment and affection while also sharing one's thought and feelings with others will lead to intimacy and foster the virtue of love and compassion. Inability to make commitment, share and trust others results in isolation

which could yield despondency.

Answer:

intimacy

Explanation:

Hello! According to Erikson, intimacy is formed in love relationships. It is when you manage to be close to others with a feeling of knowing who you are and without fear of “losing” yourself. If people cannot form these intimate relationships, a feeling of unwanted isolation may arise, awakening feelings of darkness and anguish.

Thanks for your question .

What was the Union's Anaconda Plan? A. to build railroads surrounding the Confederacy to better supply Union troops on the front lines B. to land Union troops at several points on the Confederate coast to surround Confederate armies C. to prevent supplies from reaching the South from overseas and cut off Confederate supply routes D. to send supplies and weapons by sea to Texas in order to bolster forces fighting in the western theater

Answers

Final answer:

The Union's Anaconda Plan during the American Civil War aimed to encircle the Confederacy, blocking its ports and cutting off supply routes, essentially aiming to suffocate it economically and geographically.

Explanation:

The Union's Anaconda Plan was a strategic approach during the American Civil War aimed at defeating the Confederacy by encircling and squeezing it economically and geographically. The plan entailed a blockade of Confederate ports to prevent supplies from reaching the South from overseas, along with taking control of the Mississippi River to cut off Confederate supply routes and split the Confederacy into two. This strategy was meant to slowly suffocate the Confederacy by restricting its access to essential supplies, thereby crippling its economy and military capability without the need for excessive bloodshed on the battlefield.

So, the correct answer to the question "What was the Union's Anaconda Plan?" is C: to prevent supplies from reaching the South from overseas and cut off Confederate supply routes.

Owen is asked if he can identify a suspect in a lineup. He thinks his fear at the time of the crime may have impaired his memory for the perpetrator. This hypothesis would MOST likely be tested by a ____ psychologist.
a. behavioral
b. psychoanalytic
c. humanistic
d. cognitive

Answers

Answer:

The correct answer is option D: Cognitive

Explanation:

Cognitive psychology that focuses in the mental process. Which means memory, creativity and problem solving to name a few.

Using the experimental method, a researcher investigates whether watching television while eating causes a person to eat more potato chips than one eats when not watching television. In this case, the number of potato chips eaten represents the ____.​

a. ​independent variable
b. ​dependent variable
c. ​random variable
d. ​control variable

Answers

Answer:

The answer is b. dependent variable.

Explanation:

In experimental designs, the aim is to understand the effects of an independent variable over a dependent variable. One easy way to remember the difference is to say: Independent causes change in dependent.  For this reason, dependent variables are also called outcome variables or predicted variables.

In the example, the amount of potato chips depends on whether the person is watching television or not.

Final answer:

In the specified psychological research scenario, the number of potato chips eaten is the dependent variable, while watching television while eating is the independent variable.

Explanation:

In this experiment, the number of potato chips eaten represents the dependent variable. In experimental research, the dependent variable is the variable that is being measured. The idea is that its changes depend on the effects of the independent variable. In this scenario, the independent variable is watching television while eating. The researcher is trying to understand if this activity (independent variable) has an impact on the amount of potato chips eaten (dependent variable).

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Which mental health disorders are characterized by a loss of contact with relaity and a breakdown of normal social functioning?

Answers

Answer: Psychosis

Explanation:

Final answer:

Schizophrenia and certain severe personality disorders are the mental health disorders known for causing a loss of contact with reality and impaired social functioning. These conditions are thoroughly defined in the Diagnostic and Statistical Manual of Mental Disorders (DSM).

Explanation:

The mental health disorders characterized by a loss of contact with reality and a breakdown of normal social functioning primarily include schizophrenia and certain severe personality disorders. Schizophrenia is marked by symptoms such as delusions, hallucinations, disorganized speech, social withdrawal, and a deterioration of adaptive behavior. It affects a considerable number of individuals globally, including about 3 million Americans.

The Diagnostic and Statistical Manual of Mental Disorders (DSM), published by the American Psychiatric Association, outlines criteria needed to diagnose schizophrenia, including experiencing symptoms for a significant duration, impacted social or occupational functioning, and the exclusion of other related disorders.

A father feeds his child green beans for lunch. After taking a bite, the child frowns, spits the beans out, and pushes the next spoonful of beans away. This child is____________.

Answers

Answer: Using non-linguistic communication behaviors

Explanation:

Non-linguistic communication behavior is the attitude through which a person expresses emotions and feeling in non-verbal manner. Non-verbal methods are used for conveying the message.The mode of communicating the behavior in this situation can be gestures, facial expression ,hand movements, eye contact and movement etc.

According to the question, child is expressing his emotion about not liking beans through spitting and pushing the next bite away.He is using frowning facial expressions and body movement for showing his emotion.Thus, non-linguistic communication behavior is exhibited.

A sacred story which uses real life characters to pass on an important life lesson, often challenging social norms of the time, is called a(n):

Answers

The correct answer is Parable

Explanation: Parable is a short narrative that uses allegories to convey a moral lesson. Parables are very common in Eastern literature and consist of stories that are meant to bring some teaching to life.

A study that examines the incidence of osteoporosis among female athletes at a community college compared to other female students at the college would be a type of _____ study.

Answers

Answer:

Case control                                                                                                        

Explanation:

Case-control study: The case-control study is also referred to as a case-referent study and is defined as one of the types of observational study in which two distinct groups that differ in the outcome are being compared and identified based on a few causal attributes. On the other hand, it determines whether an exposure is somewhat connected with a particular outcome.

In the question above, the given statement signifies the case-control study.

Research on emerging adulthood around the globe reveals variation between __________ in the criteria that define what it means to be an adult.

Answers

Answer:

Research on emerging adulthood around the globe reveals variation between the features in the criteria that define what it means to be an adult.

Explanation:

Before an extensive research at the global level was conducted and had its results combined, it was conventionally believed that there are only five universal features of emerging adulthood. After the study was concluded, it was found that there are many more nuances in the field of emerging adulthood other than the conventionally accepted five features of emerging adulthood which are different for different regions.

Linking questions of human health and illness in local settings to social, economic, and political processes operating on a global level is characteristic of __.

Answers

Answer:

Critical medical anthropology

Explanation:

The branch of medical anthropology that aims to link critical theory and ethnographic approaches when considering political processes and the impact of social inequality on the health of individuals is known as critical medical anthropology. The question shows asks about a link with human health to social, economic, and political processes and hence the correct answer is critical medical anthropology.

Ron and Marla want to know how many babies are born with Down syndrome. You tell them that Down syndrome occurs in approximately 1 out of every ______ births.

Answers

Answer:

700

Explanation:

Down syndrome occurs when a person has an extra chromosome. Chromosomes are extremely important and determine how the body functions as it grows in the womb and after birth. A normal baby is born with 46 chromosomes. Babies with Down syndrome have an extra copy added to these chromosomes which is termed chromosome 21. A medical term for having an extra chromosome is ‘trisomy.’

Statistics reveal that the probability of having a baby with down syndrome is 1 out of 700 births.

A pregnant woman contacts her physician because she has developed sudden, severe pain and swelling in her left lower leg. The physician explains to her that her past medical includes an inherited defect in factor V Leiden, which predisposes her to the development of which of the following?
-Abnormal bleeding
-Excessive clotting
-Thrombocytopenia
-Platelet disorders

Answers

Answer:

Excessive clotting

Explanation:

Excessive clotting is a disorder that is also called excessive coagulation and thrombolytic. Human being has the capability to clotting the wound. But some people have hyper-coagulation that leads to a disorder. When excessive clotting occurs, it clots the vein too that creates a problem for the person.  

It can be inherited or acquired disease The clots responsible for the swell in skin or part of the body People who suffer from this need anticoagulant.  It occurs due to the deficiency of some vitamins such as vitamin C, S, Z.  

The symptoms of this disorder depend on the place where clot occurs in the body. So that if clot occurs it travels to the heart and block artery that leads to a heart attack.

What is a membrane potential? What is a membrane potential? a voltage or electrical charge across the plasma membrane cooperation between cells involving membrane interactions the types of integral membrane proteins associated with a particular cell membrane the possibility of a membrane based cell activity

Answers

Answer:

a voltage or electrical charge across the plasma membrane

Explanation:

The membrane potential is the difference in electric potential (–40 mV to –80 mV) between the interior and exterior of a cell created by the unequal distribution of ions.

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Congress passes a law prohibiting cigars made in Cuba from being sold in the United States. The Florida state legislature then passes a law allowing the sale of Cuban cigars in Florida. If the constitutionality of the Florida law is challenged in court, it will most likely be:______

Answers

Answer:

If the constitutionality of the Florida law is challenged in court, it will most likely be futile.

Explanation:

The federal sovereign immunity endowed to every state in the U.S has always protected the federal structure of the states against many constitutional challenges. Though the Congress has the right to litigate state policies or bills, in most cases, it has won cases concerned to human rights violation only.

This case is similar to the legalization of marijuana. The constitution of US states that possession and consumption of marijuana is illegal but the state of Illinois has legalized marijuana through a legislative process just recently.

The provisions of sovereign immunity will grant the state of Florida the right to legitimize any policies. However, the US Constitution also provides that no state shall enter into any alliance with another confederation without its consent. In this case, the verdict may go in favor of the Congress.

When testing those claiming to be able to see auras around people's heads, magician James Randi issued this challenge: "Then if I were to step behind a wall barely taller than I am, you could determine my location from the aura visible above my head, right?

Answers

Answer:

The type of challenge that Randi presented shows his empirical approach.

Explanation:

The approach that Randi bears tends him to seek the logic behind the happenings and possibilities that sound or appear illogical. This intelligent approach of challenging apparently false and illogical claims is referred to as the empirical approach. This approach demands solid evidence or proof to associate trust with the claims that are made of supernatural things that lack a scientific basis.

A nurse caring for a client prioritizes nursing actions on the basis of Maslow’s hierarchy of needs. Which statement of the client would meet the self-esteem need?

Answers

Answer:

"I tend to get worried about every little thing because I cannot do anything successfully."

Explanation:

As given by Abraham Maslow in his hierarchy of needs model, some people's needs are more basic when compared to others. When a client or any person says that he or she needs to worry about each and every little things as they believes that they cannot do anything successful in their life, such a statement is a self esteem need statement.

Maslow’s hierarchy of needs is psychological theory depicted by a pyramid of five needs of human arranged inn a hierarchy. They are self-actualization, esteem, love and belonging, safety and physiological needs.

True or False? African slavery began in Virginia when a Dutch slave trading vessel arrived with a surplus cargo of twenty slaves; having little cash on hand, the tobacco planters of Jamestown made a deal to "buy" the slaves on credit, along with the promise that they would purchase more when next the Dutch returned with slaves for sale.

Answers

Answer:

That statement is true

Explanation:

Motivated by profit, the Dutch eventually return to Jamestown and brought more african slaves with them. As promised, the planters of Jamestown purchase the slaves again.

Over the time, the planters realized that utilizing slaves for their farm actually very beneficial for their business. Because of this, the demand for slaves keep coming from other planters. That is how the slavery become a business in western world.

Dr. Reeder is from the _____ perspective, and he emphasizes the ways the nervous system and genetics impact human and animal behavior.

Answers

Answer:

Dr. Reeder is from the biological perspective, and he emphasizes the ways the nervous system and genetics impact human and animal behavior.

Explanation:

It is clear from the subjects that Dr. Reeder is concerned with that he is associated with the discipline of biology. Biology is a vast branch of science that is looked at as a parent branch of many other streams housed under pure and applied science. As psychology is an internal trait of living beings, it also forms a part of the larger discipline of biology.

One child who participated in a memory experiment falsely remembered that he once went to the hospital because he had caught his finger in a mouse-trap. His false memory best illustrated the impact of:________.

Answers

Answer:

suggestive interviewing

Explanation:

A suggestive interview or suggestive question is one that implies that a certain answer should follow a certain response, falsely indicating that a presupposed answer to a question is an accepted fact, and therefore true. In the example above the boy falsely remembers he went to the hospital after he cut his finger because "he is supposed to go to the hospital after he cut his finger".

Final answer:

A child's false memory of an event never occurred, such as catching a finger in a mouse-trap, is an example of the misinformation effect, where external suggestions can shape and even create false memories.

Explanation:

The child in the memory experiment who falsely remembered catching his finger in a mouse-trap is an example of the misinformation effect. This phenomenon occurs when a person's recall of episodic memories becomes less accurate due to post-event information. The misinformation effect was extensively researched by cognitive psychologist Elizabeth Loftus, who demonstrated that people could easily form false memories based on suggestive information introduced to them after an event. This can range from minor details to whole events that never occurred, such as getting sick from food, having an unpleasant experience, or witnessing parental violence. These implanted memories can be indistinguishable from true memories and can even affect behaviors and attitudes.

Ethics is useful to study because we:_______ a. have too much time on our hands, and so this luxury based on a fiction is fun. b. live in a very stable world in which it is very clear who is right and who is wrong. c. learn clear-cut answers capable of easily resolving all problems quickly. d. live in a world in which human beings have deep conflicts of value.

Answers

Answer:

d. live in a world in which human beings have deep conflicts of value.                            

Explanation:

Ethics: The term ethics is defined as a moral code or philosophy related to morals being practiced by an individual or a group of people.

Example: Code of conduct related to any organization.

Types:

1. Consequentialist ethics.

2. Duty-based or deontological ethics.

3. Virtue ethics.

In the question above, ethics is useful while studying because we tend to live in a world in which human beings have deep conflicts of value.

Central to the philosophy of the American Revolution were the ideas of the ______ period in which reason and science were applied to better understand both the physical and social worlds.

Answers

Answer:

The answer is the Enlightenment.

Explanation:

The Enlightenment was a period during which the source of all knowledge was believed to be based on reason and the senses. It took place between the 17th and 19th century.

Intellectuals of the time used to circulate their ideas through academic meetings, as well as books and journals.  

Dr. Nguyen, a _____ psychologist, administers intelligence and personality tests to children in order to diagnose certain psychological disorders.

Answers

Answer:

clinical?

Explanation:

Due to a recent product recall, Universal Containers has experienced a 50% increase in daily calls to the Contact Center. The Contact Center has increased support to 24x7 with agents working 12 -hour shifts. The VP of Service is concerned about the ability to sustain the increased hours and added cost to support the higher call volume. Which recommendation should the Consultant make in anticipation of higher call volume?

Answers

Answer:

increase labor or use methods to entertain the calls

Explanation:

The company is faced with 50% increase in its calls which also leads to increased sales. However, to deal with these rising number of calls there are certain measures that need to be taken,

The consultant should recommend hiring extra work force to cater the rising demand. This new work force can be hired on commission only, percentage for the number of questions answered.

Another recommendation would be to use welcome messages for the customers that would slow down the calls reaching the contact center. This would give extra time before the call reaches the customer supports

Both these methods can lead to a more productive work force leading to increased revenue.

Final answer:

To sustain increased support hours and costs due to higher call volume, it's advisable to use Solver or similar methods to optimally allocate the fixed 100 worker-hour resources at the Contact Center, factoring in customer priority levels and aiming to improve the marginal product of each worker.

Explanation:

In response to the increased call volume due to a product recall and the related concerns about sustaining the increased support hours and costs, it is recommended to optimize the allocation of worker hours for the Contact Center. A potential approach is to utilize numerical methods, such as Solver, to optimize resource allotment in the Center. This methodology can take into account the varying levels of customer priority, as well as the fixed amount of total resources, which is 100 hours per day.

To manage customer expectations and minimize waiting times, it is essential that regular and preferred customers receive attention proportional to their expectations. An expansion of the screening and routing facility, along with increased reference materials for the agents, can lead to an increase in the marginal product of each worker, allowing them to handle calls more efficiently. Moreover, this strategy can mitigate the risk of longer waiting times and consequently, increase customer satisfaction.

A decision by the federal Environmental Protection Agency (EPA) on the amount of carbon that can be emitted from a car's exhaust system conflicts with a California state law. In this situation, under the supremacy clause:__________A) Both the decision and the law are invalidB)​ Both the decision and the law apply concurrentlyC) California's law takes precedenceD) The EPA's decision takes precedence.

Answers

In this situation, under the supremacy clause: D) The EPA's decision takes precedence.

Explanation:

President Richard Nixon started Environmental Protection Agency (EPA) in United States of America. EPA is an independent agency established in the year of July 9, 1970 for environmental protection. But it came to operation only on December 2, 1970.

There was a great conflict between the federal EPA and California State law regarding the carbon emission amount from the exhaust system of car.

The survey states that the carbon emission in California in the year 2016 was about 429 million metric tons.

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