Health and Accident Insurance


Health insurance is at the forefront of every consumer's planning. This course provides a comprehensive study of this topic, including basic and major medical expense, disability, long-term care, AD&D and workers' compensation, as well as Medicare and Medigap. It explores how health insurance is provided and how it is utilized. The course covers individual policies, managed care options, group coverage, and
government-sponsored coverage. It explores the regulation of health insurance and highlights significant regulatory requirements brought about by COBRA and HIPAA and the Affordable Care Act. The course also covers the taxation of health insurance premiums and benefits and explains the various means of paying for medical expenses on a tax-advantaged basis, including health savings accounts and health reimbursement accounts.

Learning Objectives

Upon conclusion of this course, students will:

  • understand private medical insurance and traditional fee-for-service arrangements
  • be able to characterize the managed care model as a means for delivering health care
  • be familiar with disability policies and be able to distinguish between types of coverages
  • understand the concept of long-term care and how partnership policies can reduce Medicaid's burden of paying LTC costs
  • be able to describe accidental death and dismemberment insurance coverage
  • understand Medicare and its role in providing health care benefits
  • understand the scope of coverage of other government insurance programs such as Medicaid, Social Security, and workers' compensation

Designed For

Life and health insurance producers
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