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.
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.
It is necessary to meet specific requirements. A background check is done to find out if the applicant has any criminal convictions. Fingerprints may be taken. The applicant for licensing must appear to be trustworthy.
An agent must be a trustworthy individual. He is responsible for making certain each policy covers what the client needs. In addition, he may do consultations and risk assessments for the company.
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.
It is common for there to be a deductible on the policy. The insured must pay a percentage of the cost. This is any amount that both parties agree on, but usually the lower percentage is paid by the insured.
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.
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.
Once the deductible amount is reached, the company is bound to pay for the balance of care. There may also be an upper limit to what the insurance company will pay in total. This can be an annual maximum or a lifetime maximum.
Prescription medicines may be covered or covered under a separate policy. There can also be an annual or lifetime maximum on the cost of the drugs. Depending on the policy, some drugs might be excluded for coverage.
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.
It is necessary to meet specific requirements. A background check is done to find out if the applicant has any criminal convictions. Fingerprints may be taken. The applicant for licensing must appear to be trustworthy.
An agent must be a trustworthy individual. He is responsible for making certain each policy covers what the client needs. In addition, he may do consultations and risk assessments for the company.
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.
It is common for there to be a deductible on the policy. The insured must pay a percentage of the cost. This is any amount that both parties agree on, but usually the lower percentage is paid by the insured.
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.
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.
Once the deductible amount is reached, the company is bound to pay for the balance of care. There may also be an upper limit to what the insurance company will pay in total. This can be an annual maximum or a lifetime maximum.
Prescription medicines may be covered or covered under a separate policy. There can also be an annual or lifetime maximum on the cost of the drugs. Depending on the policy, some drugs might be excluded for coverage.
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