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Course Objective

Course Objective

The student will gain a comprehensive understanding of Health insurance that will help sharpen his or her skills and abilities needed to provide professional services to his or her clients.

The student will gain an understanding of health insurance from a historical standpoint. He or she will review the different aspects of the health policy and its riders. The student then will learn how the features of the policy are applied to the client's needs through a concept known as needs analysis.

The student will review the major laws and tax regulations as they affect Health insurance and its uses. The Center allows you up to six months to complete this course.
 

Course Outline

1 Introduction    
2 Health Insurance – Historical Overview  
3 Medical Expense and Disability Policies
4 Classes of Health Insurance Policies  
5 Uniform Policy Provisions for Individual Coverage – Part I      
6 Uniform Policy Provisions for Individual Coverage – Part II
7 Uniform Policy Provisions for Individual Coverage – Part III
8 Uniform Policy Provisions for Individual Coverage – Part IVa
9 Uniform Policy Provisions for Individual Coverage – Part IVb
10 Uniform Policy Provisions for Individual Coverage – Part V
11 Optional Policy Provisions for Individual Coverage - Part I
12 Optional Policy Provisions for Individual Coverage - Part II
13 Other Individual Health Insurance General Policy Elements - Part I
14 Other Individual Health Insurance General Policy Elements - Part II
15 Other Individual Health Insurance General Policy Elements - Part III
16 Individual Underwriting by the Insurer - Part I
17 Individual Underwriting by the Insurer - Part II
18 Individual Health Insurance Risk Selection Criteria and Unfair Discrimination - Part I
19 Individual Health Insurance Risk Selection Criteria and Unfair Discrimination - Part II
20 Individual Health Insurance Responsibilities of the Producer – Part I  Solicitation and Sales
21 Responsibilities of the Producer - Part II -  The Application Process
22 Responsibilities of Producers and Insurers
23 Introduction to Group Health Insurance  
24 Characteristics of Group Health Insurance
25 Health Insurance and the Employer  
26 Continuation of Coverage through COBRA
27 HIPAA and other Group Concepts  
28 Health Insurance Providers - Introduction
29 Managed Care - Introduction to Managed Care
30 Health Maintenance Organizations (HMOs)
31 Managed Care Plans - HMO Models Part I
32 Managed Care Plans - HMO Models Part II
33 Managed Care – Other Types of Plans  
34 Managed Care Basic Terms and Concepts
35 Disability Income – Introduction  
36 Disability Income II – Limits and Total Disability
37 Disability Income III – Partial Benefits  
38 Disability Income IV – Policy Provisions Cont’d and Optional Benefits
39 Disability Income V – Other Benefits and Income Replacement
40 Disability Income VI – Choosing a Policy
41 Disability Income VII – Business Uses of Disability
42 Disability Income VIII – Social Security and Workers Compensation
43 Medical Expense - Introduction  
44 Medical Expense II – Provisions Continued
45 Medical Expense III – Major Medical Plans
46 Medical Expense IV – Comprehensive Major Medical and Limited Policies
47 Accidental Death & Dismemberment  
48 Hospital Indemnity    
49 Special Medical Expense Policies  
50 Products for Seniors – Long Term Care (LTC) I
51 Products for Seniors – LTC II Policy Provisions and Requirements
52 Products for Seniors – LTC III  
53 Products for Seniors – LTC IV and Medicare I
54 Products for Seniors – Medicare II – Benefits and Exclusions
55 Products for Seniors – Medicare III – Benefits, Exclusions & Modernization
56 Products for Seniors - Medicare Supplement Policies
57 Products for Seniors - Medicare Supplement Policies II – Core Benefits and Policy Options
58 Products for Seniors - Medicare Supplement Policies III – The Plans and Marketing Requirements
59 Products for Seniors - Medicare Supplement Policies - Medicaid, Tax Considerations & Medical Savings Accounts
60 Ethics      
61 Health Insurance Policies – Errors and Omissions, Privacy Act and Agency Law