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 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.
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 coverage is a contract. In return for paying a monthly premium, the insured receives coverage for benefits in the form of medical care. Certain expenses are covered.
There will be a deductible amount. The insured has to pay a certain percentage of the cost of his own care. It can be any specific amount agreed upon.
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.
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.
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 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.
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 coverage is a contract. In return for paying a monthly premium, the insured receives coverage for benefits in the form of medical care. Certain expenses are covered.
There will be a deductible amount. The insured has to pay a certain percentage of the cost of his own care. It can be any specific amount agreed upon.
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.
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.
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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