Insurance CE Courses

Health Insurance Financial Planning: Introduction to Individual Policies and HSAs

An introduction on how to advise your clients to protect themselves against a financial disaster if they or a member of their family becomes ill, by helping them obtain permanent affordable Individual/Family Health Insurance.

Table of Contents  |  Description

Introduction to Employer Defined Contribution Health Plans (HRAs)

An introduction on how employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents  |  Description

Health Insurance Policies for Individuals and Families

Help Employees, Individuals, and Families obtain permanent, lifetime (until age 65) affordable health insurance—policies now available in all states on which premiums cannot be increased due to claims history.

Table of Contents  |  Description

HRAs, Defined Contribution, and Other New Employer Options for Health Benefits

Employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents  |  Description

Course 3 (12-14 Credit Hours)


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Individual Health Insurance Policies for Individuals and Families

by Professor Paul Zane Pilzer

Table of Contents

Chapter 1 Health Insurance: The Largest Gap in Financial Planning
1.1 What Would Happen If Your Client Became Ill and Could Not Work?
1.2 The Gaps in Coverage When Your Client Loses Their Job or Change Jobs
1.3 What Happens When Your Client Loses Their Health Insurance
1.4 How to Help Your Client Avoid Losing Their Health Insurance When They Lose Their Job
1.5 The Other Huge Gaps in Your Client’s Employer’s Health Insurance Plan
1.6 How Employer-Sponsored Health Insurance Works
1.7 How We Got into This Mess
1.8 The New Health Insurance Solution: How We Are Getting Out of This Mess
1.9 Three Trends behind the Changes
Chapter 2 Introduction to Individual Health Insurance
2.1 What Is Individual/Family Health Insurance?
2.2 Obtaining Individual/Family Health Insurance
2.3 Employer-Sponsored Health Insurance Could be Double or Triple the Price of Individual/Family Insurance
2.4 Why Your Client Has Not Heard of Individual/Family Health Insurance?
2.5 Individual/Family Health Insurance Policies in 2005–2006
Chapter 3 Changing Jobs: ERISA, COBRA & HIPAA
3.1 ERISA—Protects Your Client’s Pension But Not Their Health Benefits
3.2 COBRA—A Temporary “Last Resort” If Your Client Loses Their Employer-Sponsored Health Insurance
3.3 HIPAA—Your Client’s Legal Protection When They Change Jobs or Get a New Job
Chapter 4 Choosing An Individual/Family Health Insurance Policy
4.1 The Two Major Components of Health Insurance
4.2 How Medical Provider Networks Work—HMOs and PPOs
4.3 Financial Protection—What to Look for in a Health Insurance Policy
4.4 Comparing Different Health Insurance Policies
Chapter 5 Applying for Individual/Family Health Insurance
5.1 Submitting Your Client’s Application—Be Careful!
5.2 After You Submit Your Client’s Application
5.3 Licensed Independent Health Insurance Agents: The Service You Provide to Your Clients
Chapter 6 Health Savings Accounts (HSAs) for Individuals
6.1 HSAs versus IRAs and 401(k)s
6.2 Why HSAs Are So Important
6.3 HSA-Qualified High-Deductible Health Insurance
6.4 Advising Your Client on Managing Their Health Savings Account
6.5 HSA-Qualified Medical Expenses
Chapter 7 Medical Uninsurables & Preexisting Conditions
7.1 Finding a Job with Good Health Insurance Benefits
7.2 How to Assist Your Clients With Becoming a “Friend of the Governor”: State-Guaranteed Subsidized Insurance for Those Who Are Not HIPAA-Eligible
7.3 State-Guaranteed Health Insurance for HIPAA-Eligible Individuals
7.4 Medicaid and Other Income-Based Programs
7.5 Purchase a Medical Discount Card or Join a PPO
Chapter 8 Post Age 55: Retirement, Medicare & LT Care
8.1 Health Insurance during Early Retirement—Ages 55 to 65
8.2 Medicare—Federally Subsidized Health Insurance for Seniors
8.3 Long-Term-Care, Assisted Living, and Nursing Home Insurance
Chapter 9 HSAs & HDHPs: Saving 10%-75% on Prescription Drugs
9.1 Get a Drug Discount Card and Save 10 to 25 Percent
9.2 Your Client’s Insurance Company’s Drug Plan Could Save Them Thousands
9.3 Shop Overseas Pharmacies
9.4 Ask for Generic Drugs
9.5 Use a Different Drug That Has Similar Effects
9.6 Other Ways to Save
Chapter 10 Employee Coverage Options: HDHP, Disability, Cafeteria, FSAs & HRAs
10.1 The Crisis in Employer-Sponsored Health Insurance
10.2 Should You Get Your Own Individual/Family Health Insurance Policy?
10.3 Should Your Client Keep Their Company Plan for Themselves But Get Their Spouse and Children Their Own Individual/Family Plan?
10.4 How to Advise Your Client with Buying Their Own Own Individual/Family Policy—Tax-Free
10.5 Should Your Client Choose a High-Deductible Insurance Plan?
10.6 Long-Term-Disability Insurance—More Important than Life Insurance
10.7 How Your Client’s “Cafeteria Plan” (Section 125 Plan) Works
10.8 Flexible Savings Accounts (FSAs)
Chapter 11 Public Policy: Who Wins & Loses with DC, CDH, HDHP
11.1 Employer-Sponsored Group Health Insurance—The Old Way
11.2 Individual/Family Health Insurance-The New Way
11.3 The Complete Reform of U.S. Healthcare
11.4 Who Wins and Who Loses?
11.5 What Should Be Done Now to Improve Health Insurance
Appendix A State-by-State Guide to Individual/Family Health Insurance Costs
Appendix B How Americans Get Health Insurance Today…and What about the 45 Million Uninsured?