This course will provide health insurance licensing candidates in Pennsylvania with the materials needed to successfully prepare for the health license examination. This 24-hour course covers all of the topics included within the Pennsylvania Candidate Information Bulletin, and will give the student a solid base of knowledge and understanding for the license examination.
This updated course includes many illustrations, examples, and quizzes associated with the state test, and provides a well-rounded approach to test preparation. The topics covered in the course begin with the basics of Health insurance, and introduce the candidate to terms, definitions and concepts that are the foundation of health insurance coverage.
The topics covered in the course begin with General insurance, continues with Insurance Regulation in the Commonwealth and then explores the basics of health insurance, which will introduce the candidate to terms, definitions and concepts that are the foundation of health insurance coverage.
The course continues with information on individual health insurance policy provisions that are included within the policies. Disability Income contracts are discussed, with an emphasis on coverage and associated benefits and provisions. The medical plans that are available in the state are detailed, along with terms and concepts related to medical contracts.
Group insurance is deeply explored and contains information on group policyowners, how employees are insured, the requirements of group insurance compared to individual policies, and how groups may be legally formed, among other pieces of information.
Dental insurance is covered, including how the Affordable Care Act mandates coverage for children. The course next dives into insurance coverage for senior citizens, and the lessons explain the coverages, mandates, legal requirements, and protections offered to senior citizens. The course begins to conclude with tax information related to health insurance and the laws and regulations surrounding health insurance in the state. The course concludes with a large lesson on professional ethics for the producer. The course includes material on everything necessary to successfully prepare for the exam:
- General Insurance: This lesson includes information on general insurance topics and definitions, including risk handling methods, classifications of insurers, contract elements, the authorities and powers of producers, and legal interpretations affecting insurance contracts.
- Insurance Regulation: This lesson covers insurance regulations in the Commonwealth, including licensing, maintenance and duration, disciplinary actions, what are insurance transactions, the Commissioner’s general duties, fiduciary responsibilities, appointments, unfair insurance practices and federal regulations used in the insurance industry.
- Health Insurance Basics, including types of products and benefits, types of policies, exclusions and producer responsibilities and individual underwriting.
- Individual Health Insurance Policy General Provisions: Uniform required and optional provisions and other general provisions.
- Disability Income Insurance, including qualifying for benefits, individual disability underwriting/unique aspects, occupational and nonoccupational considerations, and riders and other cash benefits.
- Medical plans include medical plan concepts, types of providers and medical plans, health care reform: Patient Protection and Affordable Care Act (PPACA), the Health Insurance Exchange and SHOP Marketplace and Health Insurance Portability and Accountability Act (HIPAA).
- Group Health insurance. This lesson includes the purpose of group insurance,types of eligible groups, marketing considerations, employer group health insurance, the coordination of benefits provision, and small employer medical plans.
- Dental Insurance includes pediatric care and the Affordable Care Act, categories of dental treatment, definitions, concepts. access to dental coverage and employer group dental expenses.
- Insurance for Senior Citizens and Special Needs Individuals: This lesson includes material on Medicare and Medicaid, Medicare Supplements/Medigap plans, other options for people with Medicare, Long-term care insurance policies, Qualified long-term care plans, and exclusions and conditions.
- Federal Tax Considerations for Health Insurance: Personally-owned health insurance, employer group health insurance, medical expense for sole proprietors and partners, Health Savings Accounts and Health Reimbursement Accounts and business disability insurance.
- Laws and rules specific to health insurance, such as disclosures, marketing and advertising concerns, licensing requirements, and state rules that regulate provisions found in health insurance policies.
- Ethics: This required portion of pre license education details ethics for insurance professionals. The lesson explores ethical concepts and duties that are expected of insurance producers. Topical definitions are included, as well as numerous ethical situations and potential outcomes. Different types of ethical decision-making scenarios are presented with suggested solutions. Ethics in the agency and of insurance companies are included.
Each lesson will include a practice examination with complete explanations and details to help the student retain information. There is a 100 question final examination designed to mimic the state examination, and must be successfully completed in order to receive credit for the course.
Course Approval Number: 134754
Show Course ID: 0
- Approved By: Pennsylvania Insurance Department
Life and Health Insurance Instructor Joel Daniels is an experienced business professional in the insurance industry, with an established track record of leadership, development, account management, relationship building, and brand integrity. In his insurance business, Joel works tirelessly with his allies and strategic partners to impact communities by providing access to affordable and usable health and wellness benefits options. Here at At Your Pace Online, Joel is a highly engaging instructor. He presents insurance continuing education to licensees so that they can grow in their knowledge of the trade with confidence, benefitting their own business growth as well as the overall well-being of their clients.