Georgia Navigator Practice Exam

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What is the maximum total duration of a Short-Term, Limited Duration Insurance (STLDI) policy?

  1. 12 months

  2. 24 months

  3. 36 months

  4. 60 months

The correct answer is: 36 months

The maximum total duration of a Short-Term, Limited Duration Insurance (STLDI) policy is typically defined as 12 months, which can be renewed for a total duration of up to 36 months depending on the state regulations. Regulations may vary, but generally, most states allow STLDI to provide coverage for an initial period of up to 12 months, with the possibility of extending coverage with renewals or new enrollment that collectively does not exceed 36 months. This structure is designed to provide temporary insurance while individuals transition to longer-term options, such as comprehensive health insurance. The emphasis on a limited duration aligns with the purpose of STLDI, catering to those who experience gaps in their health insurance coverage.

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