LESSON 11: HEALTH AND ACCIDENT INSURANCE
The following subjects are contained within Lesson 11:
Basic Forms of Coverage - Medical Expense Insurance; Disability Income; Accidental Death and Dismemberment (AD&D)
Purchasing Health Insurance - Individual Health Insurance; Group Health Insurance
Insurance Characteristics - Renewability Provisions (Cancelable Policies, Optionally Renewable Policies, Conditionally Renewable Policies, Guaranteed Renewable Policies, Noncancelable Policies); Premium Factors; Participating vs. Nonparticipating Policies; Reserves (Premium Reserve Funds, Loss Reserve Funds); Claims
Uses of Health Insurance - Individual Needs (Medical Expense Insurance, Disability Income Insurance); Business Needs (Cafeteria Plans); Business Continuation Plans (Business Overhead Expense Insurance, Disability Buy-Outs)
Group Health Insurance - Contributory vs. Noncontributory Plans; Conversion Privileges (COBRA); Preexisting Conditions; Coverages (Group Basic Medical Expense, Dental and Vision Care, Group Major Medical [Coordination of Benefits, Maternity Benefits]); Disability Income (Short-Term, Long-Term, AD&D); Other Types of Group Health Plans (Credit Accident and Health Plans, Health Savings Accounts [HSAs]); Tax Treatment of Group Health Plans
Lesson Review - Key Concepts, Quiz
The information contained in Lesson 11 can be found in
Units 15, 24, and 25 of the Florida study manual.
