An insurance agent in the United States must meet certain requirements. He must be licensed to work in this position before he can sell a policy. When looking for health insurance agents Suwanee GA offers those who have obtained a license.
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.
That is because an agent must make sure each person or business has the right coverage. Brokers do other things to safeguard the people they serve. They do risk assessments and consulting work.
Coverage for health care is a contract. The client pays a monthly price called a premium. This entitles him to receive medical coverage when it is needed.
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.
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.
A surgical procedure may be covered for eighty-percent of the total cost, for example. The other twenty-percent must be paid by the insured. This twenty-percent will apply towards the deductible.
Following the annual deductible being met, the insured is not required to pay any additional costs. There may be an annual or lifetime maximum in place. The insurer as well as the insured often imposes an upper limit, either annually or during the lifetime.
Any prescription medication may be covered separately with a separate co-payment and maximum payment schedule. Some durable medical equipment, such as a wheelchair, may be covered. Some drugs are not paid for under the policy.
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.
That is because an agent must make sure each person or business has the right coverage. Brokers do other things to safeguard the people they serve. They do risk assessments and consulting work.
Coverage for health care is a contract. The client pays a monthly price called a premium. This entitles him to receive medical coverage when it is needed.
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.
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.
A surgical procedure may be covered for eighty-percent of the total cost, for example. The other twenty-percent must be paid by the insured. This twenty-percent will apply towards the deductible.
Following the annual deductible being met, the insured is not required to pay any additional costs. There may be an annual or lifetime maximum in place. The insurer as well as the insured often imposes an upper limit, either annually or during the lifetime.
Any prescription medication may be covered separately with a separate co-payment and maximum payment schedule. Some durable medical equipment, such as a wheelchair, may be covered. Some drugs are not paid for under the policy.
About the Author:
Find a review of the advantages you get when you use the services of health insurance agents Suwanee GA and more information about a reliable insurance agency at http://www.jpabenefits.com now.
This article collected, selected and written by: Author Van Hoc
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