8 Hour Course
Course ID: 6000019176
Approved By: Rhode Island Department of Business Regulation
This 8-hour course will focus on health topics important to Rhode Island Life & Health producers. We’ll discuss a variety of topics, and while some of the information will be review, you’ll learn a few new things too!
We’ll start the course by talking about disability income. We’ll cover the definitions and degrees of disability, and define who qualifies for disability benefits. We’ll look at the types of coverage available through individual and group policies.We’ll also touch on social security disability and worker’s compensation.
Next, we’ll discuss medical plans. We’ll talk about the wide variety available, from those allowing service by any provider, to those with a limited choice, and prepaid versus fee-for-service. We’ll look at different providers and plans, such as HMOs, PPOs, and POSs. Then, we’ll examine strategies for containing costs in health care.
Our next class will talk specifically about group health care. We’ll discuss who is eligible, and what criteria is used by underwriters. Then you’ll learn about employer-based group health insurance, including small-employer medical plans, and some strategies for marketing group health insurance. We’ll look at loss of coverage, and coverage continuation options such as COBRA.
Our class on dental insurance will start by talking about categories of dental treatment, such as preventative and restorative. We’ll discuss indemnity plans and employer group dental expenses, as well as integrated deductibles vs standalone plans.
The Medicare class will give us an overview of Medicare’s key terms and tenants. We’ll look at eligibility, enrollment, coverages, and cost-sharing for each part of Medicare (parts A, B, C, and D). we’ll also discuss Medigap and other Medicare supplements.
We’ll take a brief look at long-term care insurance, including the types of policies available, who is eligible, and the levels and types of care. You’ll learn about benefit periods and amounts, and the minimum benefit standards. We’ll also look at the interaction of long-term care with Medicare and Medicaid, and how to replace LTC policies.
Last, we’ll discuss how health insurance is taxed on a federal level, whether personally owned or employer-based. We’ll look at business disability insurance, HSAs, FSAs, and more!