Learn about long term disability insurance, a policy designed to provide financial support in the event of a prolonged disability. Coverage usually extends until the insured individual reaches the age of 65.
Explore the fundamentals of major medical insurance, a health insurance policy with a high deductible that covers most medical expenses. Learn about its coverage limits, participation clauses, and benefits.
Discover Medicare Select Policy, a specialized Medicare supplement that offers benefits through a specified network of providers. Learn how it can support your healthcare needs.
Learn about morbidity in health insurance, focusing on the comparative frequency of disease and its impact on policy underwriting and premiums.
Learn how multiple option plans in health insurance provide employees with choices among HMOs, PPOs, and major health plans. Ideal for making informed decisions about your healthcare coverage.
Learn about partial disability in health insurance, a term that refers to a disability from injury or illness that hinders the insured from completing all occupational tasks. Discover how it is defined and impacts policyholders.
Explore partial hospitalization services in health insurance. Learn how these outpatient treatments serve as alternatives or continuations for mental health and substance abuse patients.
Learn about Participation in Health Insurance: gauging the number of employees enrolled in a plan relative to those eligible for coverage.
Learn about personal lines in general insurance, which include coverage options like health insurance and homeowners insurance for individuals and families.
Learn about prior authorization, a crucial technique in health insurance for minimizing costs by ensuring medical care is pre-approved before benefits are paid.
Learn about Relative Value Unit (RVU) - a vital metric used in health insurance to determine surgical costs and values through multiplication with a conversion factor.
Learn about self inflicted injury in health insurance, its implications, and what it means for policy coverage and claims.
Learn about the standard provisions mandated by state law that are included in all life and health insurance policies. Discover how these provisions ensure consistency and compliance with regulations.
Learn about the entire contract clause in health and life insurance, which includes all parts of the agreement such as the application, endorsements, and conditions.
Learn about the General Agents and Managers Conference, an association affiliated with the National Association of Life Underwriters (NALU), comprising of distinguished agents and managers in the Health and Life Insurance sector.
Learn about the importance of the Identification Card in Health Insurance. This card is essential for identifying members of a health care plan and must be presented during medical services.
Explore the Uniform Billing Code of 1992, a federal regulation that mandates the standardized itemization of hospital bills for services provided to patients.
Explore the concept of total disability in health insurance, a condition that prevents the insured from working in any capacity due to injury or medical condition. Learn how it varies across policies.
Explore the concept of utilization in health insurance, defined as the amount of use a health plan receives from a specific group of policyholders. Learn how it's measured and its impact on policy costs.
Learn about utilization management in health insurance, a vital method for assessing the need for various medical services to ensure appropriate care and cost management.
Understand the concept of fee maximum in health insurance, which refers to the maximum fee available to a health care professional for a service provided under a contract.
Learn all about the Civilian Health and Medical Program of the Uniformed Services (CHAMPUS), the former health insurance program for military families, including its coverage of mandatory care and services.
Learn about the emergency accident benefit in health insurance. Explore how this group medical policy feature compensates policyholders seeking emergency medical attention for accidents.
Explore the comprehensive benefits available for those unable to work due to a disability, including both current and future income loss.
Discover how managed care health insurance plans work, their benefits, and the methods they use to manage healthcare expenses for employers and employees.
Learn about presumptive disability in health insurance, a condition assumed to be permanent and total, which includes severe impairments such as loss of vision, hearing, or multiple limbs. Understand eligibility and benefits for policyholders.
Learn about the Rehabilitation Clause in health insurance policies, a provision that offers vocational rehabilitation support to policyholders. Ensure your policy includes this crucial benefit.
Understand Sickness Insurance, also known as Health Insurance, which covers losses caused by illness or disease. Learn about its benefits, coverages, and considerations.
Discover the role of a Third Party Administrator (TPA) in administrating life and health insurance policies for employers. Learn how TPAs facilitate communication between employers and insurers, process claims, and determine eligibility.
Explore the fundamentals of commercial health insurance, which includes both medical costs and disability benefits, along with renewal provisions and specific benefits.
Discover the essential details of a health benefits package in health insurance, including the benefits offered to policyholders and how it impacts healthcare coverage.
Learn about hospital benefits in health insurance, which cover costs incurred during hospital visits, including room expenses and additional charges.
Learn about the out-of-pocket limit in health insurance, a critical factor that determines the maximum coinsurance you have to pay before your insurer covers all expenses. Find out how it affects your policy and overall costs.
Learn about the term 'Member' used in health insurance and pensions, describing individuals covered under a health plan or qualified employees in a pension plan.
Learn about Evidence of Insurability in health and life insurance. Understand the importance of health facts required for underwriting, including medical physicals.
Understand Permanent Total Disability in health insurance, a condition where the insured is unable to work for the rest of their life due to severe disability. Learn more about the implications and coverage.
Explore the concept of allocated benefits in health insurance, including specific payments for supplies, drugs, or X-rays. Learn how these targeted benefits work to provide specialized financial assistance.
Learn about occupational diseases, their causes, impact on health insurance, and how they are addressed in workplace health and safety regulations.
Learn about the significance of referrals in health insurance, where a primary care physician recommends an insured individual to visit a specialist.
