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.
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 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.
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.
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.
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.
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.
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 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.
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.
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.
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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