There are requirements that must be met by everyone selling health care policies. They take courses to pass a licensing exam. For anyone seeking health insurance agents Suwanee GA has listings of those who are qualified.
Prior to taking an examination, pre-licensing courses must be passed. Then an exam must be passed. Following that the individual submits an application to become licensed in Georgia.
The qualifications for becoming licensed are specific. They include passing a background check for criminal convictions. Fingerprinting will verify his or her identity.
That is because an agent must make sure each person or business has the right coverage. Brokers do other things to safeguard the people they serve. They do risk assessments and consulting work.
The health care policy is a legal contract. The client pays a premium each month. In return, he is covered for benefits if he requires medical care.
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.
When a doctors office visit is billed, the insured may pay twenty dollars per visit, for example. This is called a co-payment. In some policies, this will be applied to the total annual deductible.
In the case of surgery, the insured may be required to pay a percentage of surgical costs and hospital fees. The company then pays the balance. The terms will state whether this applies to the deductible.
Following the annual deductible being met, the insured is not required to pay any additional costs. There may be an annual or lifetime maximum in place. The insurer as well as the insured often imposes an upper limit, either annually or during the lifetime.
The cost of prescription drugs may have a separate schedule for co-payments. There may also be a maximum annually or a lifetime maximum. Also, there may be some drugs that are not covered.
Prior to taking an examination, pre-licensing courses must be passed. Then an exam must be passed. Following that the individual submits an application to become licensed in Georgia.
The qualifications for becoming licensed are specific. They include passing a background check for criminal convictions. Fingerprinting will verify his or her identity.
That is because an agent must make sure each person or business has the right coverage. Brokers do other things to safeguard the people they serve. They do risk assessments and consulting work.
The health care policy is a legal contract. The client pays a premium each month. In return, he is covered for benefits if he requires medical care.
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.
When a doctors office visit is billed, the insured may pay twenty dollars per visit, for example. This is called a co-payment. In some policies, this will be applied to the total annual deductible.
In the case of surgery, the insured may be required to pay a percentage of surgical costs and hospital fees. The company then pays the balance. The terms will state whether this applies to the deductible.
Following the annual deductible being met, the insured is not required to pay any additional costs. There may be an annual or lifetime maximum in place. The insurer as well as the insured often imposes an upper limit, either annually or during the lifetime.
The cost of prescription drugs may have a separate schedule for co-payments. There may also be a maximum annually or a lifetime maximum. Also, there may be some drugs that are not covered.
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