Florida's Health 240 License Exam Prep

Florida's Health 240 License Exam Prep

Prepare to pass the Health 240 test

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Language: English | Category: Pre-License

Tracking number: 131522
Credit hours • 40 hours

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What you will learn

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Candidates pursuing a Health insurance agent license must use the most recent edition of the NAIFA Study Manual provided by the Florida Association of Insurance and Financial Advisors, in accordance with Florida Department of Financial Services regulations. To order, visit https://studymanuals.naifa-florida.org/ or call 850-422-1701.

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In depth knowledge of various other health insurance policies and their features

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Mastery of medical expense insurance, including coverage options and policy structures

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Detailed insights into accidental death and dismemberment insurance benefits

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Expertise in the nuances of group insurance and its advantages for organizations

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Proficiency in Medicare supplement policies to enhance coverage for seniors

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Thorough understanding of individual and group long term care (LTC) insurance options

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Enhanced ability to analyze and compare different health insurance plans

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Improved test taking strategies specifically tailored for the Florida 2 40 health insurance exam

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Access to practice exams and quizzes to reinforce learning and gauge progress

Course Content

Types of Policies
Types of Policies
Disability income
Disability income
Individual disability income policy
Individual disability income policy
Individual disability income policy
Practice now!
Business overhead expense policy
Business overhead expense policy
Business overhead expense policy
Practice now!
Business disability buyout policy
Business disability buyout policy
Business disability buyout policy
Practice now!
Group disability income policy
Group disability income policy
Group disability income policy
Practice now!
Key employee policy
Key employee policy
Key employee policy
Practice now!
Accidental death and dismemberment
Accidental death and dismemberment
Accidental death and dismemberment
Accidental death and dismemberment
Accidental death and dismemberment
Medical expense insurance
Medical expense insurance
Basic hospital, medical, and surgical policies
Basic hospital, medical, and surgical policies
Basic hospital, medical, and surgical policies
Major medical policies
Major medical policies
Major medical policies
Health Maintenance Organizations (HMOs)
Health Maintenance Organizations (HMOs)
Health Maintenance Organizations (HMOs)
Preferred Provider Organizations (PPOs)
Preferred Provider Organizations (PPOs)
Preferred Provider Organizations (PPOs)
Point of Service (POS) plans
Point of Service (POS) plans
Point of Service (POS) plans
Flexible Spending Accounts (FSAs)
Flexible Spending Accounts (FSAs)
Flexible Spending Accounts (FSAs)
High Deductible Health Plans (HDHPs) and related
High Deductible Health Plans (HDHPs) and related
High Deductible Health Plans (HDHPs) and related
Health Savings Accounts (HSAs)
Health Savings Accounts (HSAs)
Health Savings Accounts (HSAs)
Health Reimbursement Accounts (HRAs)
Health Reimbursement Accounts (HRAs)
Health Reimbursement Accounts (HRAs)
Medicare supplement policies
Medicare supplement policies
Medicare supplement policies
Medicare supplement policies
Medicare supplement policies
Group insurance
Group insurance
Differences between individual and group contracts
Differences between individual and group contracts
Differences between individual and group contracts
General characteristics
General characteristics
General characteristics
COBRA
COBRA
COBRA
Individual/Group Long Term Care (LTC)
Individual/Group Long Term Care (LTC)
Eligibility
Eligibility
Eligibility
Levels of care
Levels of care
Levels of care
Other policies
Other policies
Dental
Dental
Dental
Vision
Vision
Vision
Cancer
Cancer
Cancer
Critical illness or specified disease
Critical illness or specified disease
Critical illness or specified disease
Worksite (employer-sponsored)
Worksite (employer-sponsored)
Worksite (employer-sponsored)
Hospital indemnity
Hospital indemnity
Hospital indemnity
Short-term medical
Short-term medical
Short-term medical
Accident
Accident
Accident
Policy Provisions, Clauses, and Riders
Policy Provisions, Clauses, and Riders
Mandatory and optional provisions
Mandatory and optional provisions
Entire contract
Entire contract
Entire contract
Time limit on certain defenses (incontestable)
Time limit on certain defenses (incontestable)
Time limit on certain defenses (incontestable)
Grace period
Grace period
Grace period
Reinstatement
Reinstatement
Reinstatement
Notice of claim
Notice of claim
Notice of claim
Claim forms
Claim forms
Claim forms
Proof of loss
Proof of loss
Proof of loss
Time of payment of claims
Time of payment of claims
Time of payment of claims
Payment of claims
Payment of claims
Payment of claims
Physical examination and autopsy
Physical examination and autopsy
Physical examination and autopsy
Legal actions
Legal actions
Legal actions
Change of beneficiary
Change of beneficiary
Change of beneficiary
Misstatement of age or gender
Misstatement of age or gender
Misstatement of age or gender
Change of occupation
Change of occupation
Change of occupation
Illegal occupation
Illegal occupation
Illegal occupation
Relation of earning to insurance
Relation of earning to insurance
Relation of earning to insurance
Other provisions and clauses
Other provisions and clauses
Insuring clause
Insuring clause
Insuring clause
Free look
Free look
Free look
Consideration clause
Consideration clause
Consideration clause
Probationary period
Probationary period
Probationary period
Elimination period
Elimination period
Elimination period
Waiver of premium
Waiver of premium
Waiver of premium
Exclusions and limitations
Exclusions and limitations
Exclusions and limitations
Preexisting conditions
Preexisting conditions
Preexisting conditions
Coinsurance
Coinsurance
Coinsurance
Deductibles
Deductibles
Deductibles
Eligible expenses
Eligible expenses
Eligible expenses
Copayments
Copayments
Copayments
Pre-authorizations and prior approval requirements
Pre-authorizations and prior approval requirements
Pre-authorizations and prior approval requirements
Usual, reasonable, and customary (URC) charges
Usual, reasonable, and customary (URC) charges
Usual, reasonable, and customary (URC) charges
Lifetime, annual, or per cause maximum benefit limits
Lifetime, annual, or per cause maximum benefit limits
Lifetime, annual, or per cause maximum benefit limits
Impairment/exclusions
Impairment/exclusions
Impairment/exclusions
Guaranteed insurability
Guaranteed insurability
Guaranteed insurability
Future increase option
Future increase option
Future increase option
Rights of renewability
Rights of renewability
Noncancelable
Noncancelable
Noncancelable
Cancelable
Cancelable
Cancelable
Guaranteed renewable
Guaranteed renewable
Guaranteed renewable
Social Insurance
Social Insurance
Medicare (Parts A, B, C, D)
Medicare (Parts A, B, C, D)
Intro to Medicare (Parts A, B, C, D)
Intro to Medicare (Parts A, B, C, D)
Intro to Medicare (Parts A, B, C, D)
Medicaid
Medicaid
Intro to Medicaid
Intro to Medicaid
Intro to Medicaid
Social Security benefits
Social Security benefits
Intro to Social Security benefits
Intro to Social Security benefits
Intro to Social Security benefits
Other Insurance Concepts
Other Insurance Concepts
Total, partial, recurrent and residual disability
Total, partial, recurrent and residual disability
Intro to Total, partial, recurrent and residual disability
Intro to Total, partial, recurrent and residual disability
Intro to Total, partial, recurrent and residual disability
Owner’s rights
Owner’s rights
Intro to Owner’s rights
Intro to Owner’s rights
Intro to Owner’s rights
Dependent children benefits
Dependent children benefits
Intro to Dependent children benefits
Intro to Dependent children benefits
Intro to Dependent children benefits
Primary and contingent beneficiaries
Primary and contingent beneficiaries
Intro to Primary and contingent beneficiaries
Intro to Primary and contingent beneficiaries
Intro to Primary and contingent beneficiaries
Modes of premium payments
Modes of premium payments
Intro to Modes of premium payments
Intro to Modes of premium payments
Intro to Modes of premium payments
Nonduplication and coordination of benefits
Nonduplication and coordination of benefits
Intro to Nonduplication and coordination of benefits (e.g., primary vs. excess)
Intro to Nonduplication and coordination of benefits (e.g., primary vs. excess)
Intro to Nonduplication and coordination of benefits (e.g., primary vs. excess)
Occupational vs. non-occupational
Occupational vs. non-occupational
Intro to Occupational vs. non-occupational
Intro to Occupational vs. non-occupational
Intro to Occupational vs. non-occupational
Tax treatment of premiums and proceeds of insurance contracts
Tax treatment of premiums and proceeds of insurance contracts
Intro to Tax treatment of premiums and proceeds of insurance contracts
Intro to Tax treatment of premiums and proceeds of insurance contracts
Intro to Tax treatment of premiums and proceeds of insurance contracts
Managed care
Managed care
Intro to Managed care
Intro to Managed care
Intro to Managed care
Workers Compensation
Workers Compensation
Intro to Workers Compensation
Intro to Workers Compensation
Intro to Workers Compensation
Subrogation
Subrogation
Intro to Subrogation
Intro to Subrogation
Intro to Subrogation
Field Underwriting Procedures
Field Underwriting Procedures
Explaining sources of insurability and HIPAA privacy information
Explaining sources of insurability and HIPAA privacy information
Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
Initial premium payment and receipt and consequences of the receipt
Initial premium payment and receipt and consequences of the receipt
Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
Submitting application (and initial premium if collected) to company for underwriting
Submitting application (and initial premium if collected) to company for underwriting
Submitting application (and initial premium if collected) to company for underwriting
Submitting application (and initial premium if collected) to company for underwriting
Submitting application (and initial premium if collected) to company for underwriting
Policy delivery
Policy delivery
Intro to Policy delivery
Intro to Policy delivery
Intro to Policy delivery
Explaining policy and its provisions, riders, exclusions, and ratings to clients
Explaining policy and its provisions, riders, exclusions, and ratings to clients
Explaining policy and its provisions, riders, exclusions, and ratings to clients
Explaining policy and its provisions, riders, exclusions, and ratings to clients
Explaining policy and its provisions, riders, exclusions, and ratings to clients
Replacement
Replacement
Replacement
Replacement
Replacement
Contract law
Contract law
Elements of a contract
Elements of a contract
Elements of a contract
Insurable interest
Insurable interest
Insurable interest
Warranties and representations
Warranties and representations
Warranties and representations
Unique aspects of the insurance contract (Conditional, Unilateral, Adhesion, Aleatory)
Unique aspects of the insurance contract (Conditional, Unilateral, Adhesion, Aleatory)
Unique aspects of the insurance contract (Conditional, Unilateral, Adhesion, Aleatory)
Common to All Lines
Common to All Lines
Financial Services Regulation
Financial Services Regulation
Chief Financial Officer
Chief Financial Officer
Chief Financial Officer
Financial Services Commission: Office of Financial Regulation and Office of Insurance Regulation
Financial Services Commission: Office of Financial Regulation and Office of Insurance Regulation
Financial Services Commission: Office of Financial Regulation and Office of Insurance Regulation
Department of Financial Services
Department of Financial Services
General duties and powers
General duties and powers
General duties and powers
Agent and adjuster licensing and investigations, Consumer services, Insurance Fraud, Receivership, Unclaimed Property, Other powers
Agent and adjuster licensing and investigations, Consumer services, Insurance Fraud, Receivership, Unclaimed Property, Other powers
Agent and adjuster licensing and investigations, Consumer services, Insurance Fraud, Receivership, Unclaimed Property, Other powers
Office of Insurance Regulation
Office of Insurance Regulation
General duties and powers: Policy approval authority and Rates and Forms
General duties and powers: Policy approval authority and Rates and Forms
General duties and powers: Policy approval authority and Rates and Forms
Market Conduct Examinations
Market Conduct Examinations
Market Conduct Examinations
Agency Actions
Agency Actions
Agency Actions
Investigation
Investigation
Investigation
Office of Financial Regulation
Office of Financial Regulation
General duties and powers
General duties and powers
General duties and powers
Agency Actions
Agency Actions
Agency Actions
Investigations
Investigations
Investigations
Definitions
Definitions
Insurance Contract
Insurance Contract
Insurance Contract
Insurance transaction
Insurance transaction
Insurance transaction
Insurer
Insurer
Insurer
Reinsurance
Reinsurance
Reinsurance
Domestic company
Domestic company
Domestic company
Foreign company
Foreign company
Foreign company
Alien company
Alien company
Alien company
Fraternals
Fraternals
Fraternals
Authorized and unauthorized companies/admitted and non-admitted companies
Authorized and unauthorized companies/admitted and non-admitted companies
Authorized and unauthorized companies/admitted and non-admitted companies
Stock and mutual companies
Stock and mutual companies
Stock and mutual companies
Unlicensed entities
Unlicensed entities
Unlicensed entities
Certificate of authority
Certificate of authority
Certificate of authority
Licensing
Licensing
Purpose
Purpose
Purpose
License Types: Agent, Agency
License Types: Agent, Agency
License Types: Agent, Agency
Appointments: Company, Unaffiliated
Appointments: Company, Unaffiliated
Appointments: Company, Unaffiliated
License Requirements: Education, Application, Background Check, Examination
License Requirements: Education, Application, Background Check, Examination
License Requirements: Education, Application, Background Check, Examination
Maintaining a license: Continuing Education, Communication with the Department, Record Keeping, Criminial and administrative actions
Maintaining a license: Continuing Education, Communication with the Department, Record Keeping, Criminial and administrative actions
Maintaining a license: Continuing Education, Communication with the Department, Record Keeping, Criminial and administrative actions
Agent responsibilities
Agent responsibilities
Fiduciary capacity: Definition, Premium accountability, Separate account requirements
Fiduciary capacity: Definition, Premium accountability, Separate account requirements
Fiduciary capacity: Definition, Premium accountability, Separate account requirements
Commissions and compensation / charges for extra services
Commissions and compensation / charges for extra services
Commissions and compensation / charges for extra services
Reply to DFS and/or Office of Insurance Regulation
Reply to DFS and/or Office of Insurance Regulation
Reply to DFS and/or Office of Insurance Regulation
Ethics
Ethics
Ethics
Insurance guaranty fund & Marketing Practices
Insurance guaranty fund & Marketing Practices
Intro to Insurance guaranty fund
Intro to Insurance guaranty fund
Intro to Insurance guaranty fund
Unfair methods of competition (1): Sliding, Coercion, Misrepresentation, Defamation, False advertising
Unfair methods of competition (1): Sliding, Coercion, Misrepresentation, Defamation, False advertising
Unfair methods of competition (1): Sliding, Coercion, Misrepresentation, Defamation, False advertising
Unfair methods of competition (2): Unfair discrimination, Unfair claims practices, Fraud, Controlled business, Twisting, Churning
Unfair methods of competition (2): Unfair discrimination, Unfair claims practices, Fraud, Controlled business, Twisting, Churning
Unfair methods of competition (2): Unfair discrimination, Unfair claims practices, Fraud, Controlled business, Twisting, Churning
Pertinent to Health Insurance
Pertinent to Health Insurance
Standard Policy Provisions and Clauses (individual and group)
Standard Policy Provisions and Clauses (individual and group)
Minimum Benefit Standards: Grandfathered, Non-grandfathered
Minimum Benefit Standards: Grandfathered, Non-grandfathered
Minimum Benefit Standards: Grandfathered, Non-grandfathered
Required and Optional Coverages
Required and Optional Coverages
Required and Optional Coverages
Prohibited Provisions
Prohibited Provisions
Prohibited Provisions
Group Health insurance
Group Health insurance
Eligible groups (employer based, fraternal, assoc. blanket)
Eligible groups (employer based, fraternal, assoc. blanket)
Eligible groups (employer based, fraternal, assoc. blanket)
Continuation
Continuation
Continuation
Conversion
Conversion
Conversion
Coordination of benefits
Coordination of benefits
Coordination of benefits
Disclosure
Disclosure
Outline of Coverage
Outline of Coverage
Outline of Coverage
Renewal Agreements/Nonrenewal and Cancellation
Renewal Agreements/Nonrenewal and Cancellation
Renewal Agreements/Nonrenewal and Cancellation
Advertising
Advertising
Advertising
Certificate of Coverage
Certificate of Coverage
Certificate of Coverage
Group Blanket Health: Definition and Required Provisions
Group Blanket Health: Definition and Required Provisions
Group Blanket Health: Definition and Required Provisions
Unfair Trade Practices
Unfair Trade Practices
Unfair Trade Practices
Application Responsibilities
Application Responsibilities
Application Responsibilities
Marketing methods and practices
Marketing methods and practices
Marketing methods and practices
Medicare Supplement Insurance
Medicare Supplement Insurance
Required provisions (Minimum Standards): Pre-existing conditions and Free Look
Required provisions (Minimum Standards): Pre-existing conditions and Free Look
Required provisions (Minimum Standards): Pre-existing conditions and Free Look
Open Enrollment Periods: 65 and over, under 65
Open Enrollment Periods: 65 and over, under 65
Open Enrollment Periods: 65 and over, under 65
Advertising
Advertising
Advertising
Marketing standards
Marketing standards
Marketing standards
Disclosure: Outline of Coverage, Buyer's Guide
Disclosure: Outline of Coverage, Buyer's Guide
Disclosure: Outline of Coverage, Buyer's Guide
Replacement/Replacement Forms
Replacement/Replacement Forms
Replacement/Replacement Forms
Duplication of Benefits
Duplication of Benefits
Duplication of Benefits
Standardized policy benefits (A-N)
Standardized policy benefits (A-N)
Standardized policy benefits (A-N)
Exclusions
Exclusions
Exclusions
Medicaid--relationship to Supplements
Medicaid--relationship to Supplements
Medicaid--relationship to Supplements
Medicare advantage plan
Medicare advantage plan
Medicare advantage plan
Long-term Care Policies
Long-term Care Policies
Purpose
Purpose
Purpose
Disclosure: Outline of Coverage and Buyer’s guide
Disclosure: Outline of Coverage and Buyer’s guide
Disclosure: Outline of Coverage and Buyer’s guide
Advertising
Advertising
Advertising
Policy standards
Policy standards
Policy standards
Required Provisions (Minimum standards)
Required Provisions (Minimum standards)
Required Provisions (Minimum standards)
Other Provisions
Other Provisions
Other Provisions
Terminology (1): Skilled care, Intermediate care, Custodial care, Home health care vs. home care, Continuing care retirement communities (CCRC), Alternate care
Terminology (1): Skilled care, Intermediate care, Custodial care, Home health care vs. home care, Continuing care retirement communities (CCRC), Alternate care
Terminology (1): Skilled care, Intermediate care, Custodial care, Home health care vs. home care, Continuing care retirement communities (CCRC), Alternate care
Terminology (2): Case management, Activities of Daily Living (ADL’s) and cognitive impairment, Medically necessary or appropriate, Plan of care, Adult day care, Hospice care
Terminology (2): Case management, Activities of Daily Living (ADL’s) and cognitive impairment, Medically necessary or appropriate, Plan of care, Adult day care, Hospice care
Terminology (2): Case management, Activities of Daily Living (ADL’s) and cognitive impairment, Medically necessary or appropriate, Plan of care, Adult day care, Hospice care
Replacement
Replacement
Replacement
Unintentional lapse: secondary addressee, cognitive impairment
Unintentional lapse: secondary addressee, cognitive impairment
Unintentional lapse: secondary addressee, cognitive impairment
Long-Term Care partnership
Long-Term Care partnership
Long-Term Care partnership
Medicaid--relationship to Long-Term Care
Medicaid--relationship to Long-Term Care
Medicaid--relationship to Long-Term Care
Requirements for small employers
Requirements for small employers
Definitions
Definitions
Definitions
Special Provisions
Special Provisions
Special Provisions
Disclosure requirements
Disclosure requirements
Disclosure requirements
Denial/Termination/Nonrenewal
Denial/Termination/Nonrenewal
Denial/Termination/Nonrenewal
Fair Marketing Standards
Fair Marketing Standards
Fair Marketing Standards
Benefit plans offered
Benefit plans offered
Benefit plans offered
Availability of coverage
Availability of coverage
Availability of coverage
Small Employer Rating, Renewability and Portability Act
Small Employer Rating, Renewability and Portability Act
Small Employer Rating, Renewability and Portability Act
Guaranteed issue
Guaranteed issue
Guaranteed issue
Employee declination of coverage
Employee declination of coverage
Employee declination of coverage
Florida Healthy Kids Corporation
Florida Healthy Kids Corporation
Intro to Florida Healthy Kids Corporation
Intro to Florida Healthy Kids Corporation
Intro to Florida Healthy Kids Corporation
Requirements relating to HIV/AIDS
Requirements relating to HIV/AIDS
Intro to Requirements relating to HIV/AIDS
Intro to Requirements relating to HIV/AIDS
Intro to Requirements relating to HIV/AIDS
Plan Types
Plan Types
Health Maintenance Organization (HMO)
Health Maintenance Organization (HMO)
Health Maintenance Organization (HMO)
Preferred Provider Organization (PPO)
Preferred Provider Organization (PPO)
Preferred Provider Organization (PPO)
Exclusive provider organization (EPO)
Exclusive provider organization (EPO)
Exclusive provider organization (EPO)
Prepaid service organization
Prepaid service organization
Prepaid service organization
Indemnity plan
Indemnity plan
Indemnity plan
Discount medical plan organization (DMPO)
Discount medical plan organization (DMPO)
Discount medical plan organization (DMPO)
Dread disease policy
Dread disease policy
Intro to Dread disease policy
Intro to Dread disease policy
Intro to Dread disease policy

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