Before being allowed to sell health care policies, an individual has certain standards to meet. He has to be licensed. If you are looking for health insurance agents Suwanee GA provides the information needed.
To gain the knowledge needed there are pre-licensing courses. An exam will be taken. If the individual passes that exam he can apply for licensing in the state of Georgia.
The applicant must have a good reputation as a trustworthy person. A background check is done to find any criminal activity. This includes taking fingerprints to verify his identity.
It is crucial for an agent to sell the appropriate policy to each company or individual. There are other things he does to help the clients. Some of those things are consulting work and risk assessments.
Coverage for health care is a contract. The client pays a monthly price called a premium. This entitles him to receive medical coverage when it is needed.
In most policies the insured must pay for part of the cost of care. This is called the deductible amount. The amount varies depending on what the policy indicates.
Terms of a policy will differ from person to person. One example is the amount of the co-payments. A co-payment is the agreed upon amount paid for each service, a doctors office call for example.
If the insured is having a surgical procedure done, he may be required to pay a percentage of the total charges. The company will pay the rest. Depending on the terms, this applies towards the annual deductible.
If the annual deductible is met in any given year, the insured does not pay any more. The company might also have an upper limit stating the highest amount they will pay in that year. There can be an annual amount to limit payments by the insurer.
Any prescription medication may be covered separately with a separate co-payment and maximum payment schedule. Some durable medical equipment, such as a wheelchair, may be covered. Some drugs are not paid for under the policy.
To gain the knowledge needed there are pre-licensing courses. An exam will be taken. If the individual passes that exam he can apply for licensing in the state of Georgia.
The applicant must have a good reputation as a trustworthy person. A background check is done to find any criminal activity. This includes taking fingerprints to verify his identity.
It is crucial for an agent to sell the appropriate policy to each company or individual. There are other things he does to help the clients. Some of those things are consulting work and risk assessments.
Coverage for health care is a contract. The client pays a monthly price called a premium. This entitles him to receive medical coverage when it is needed.
In most policies the insured must pay for part of the cost of care. This is called the deductible amount. The amount varies depending on what the policy indicates.
Terms of a policy will differ from person to person. One example is the amount of the co-payments. A co-payment is the agreed upon amount paid for each service, a doctors office call for example.
If the insured is having a surgical procedure done, he may be required to pay a percentage of the total charges. The company will pay the rest. Depending on the terms, this applies towards the annual deductible.
If the annual deductible is met in any given year, the insured does not pay any more. The company might also have an upper limit stating the highest amount they will pay in that year. There can be an annual amount to limit payments by the insurer.
Any prescription medication may be covered separately with a separate co-payment and maximum payment schedule. Some durable medical equipment, such as a wheelchair, may be covered. Some drugs are not paid for under the policy.
About the Author:
Find a review of the advantages you get when you use the services of health insurance agents Suwanee GA and more information about a reliable insurance agency at http://www.jpabenefits.com now.
No comments:
Post a Comment