Learn About Health Insurance Options With Suwanee GA Insurance Agent
By Erika Ferrerat
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.
There are pre-licensing courses a person must take. Then an examination must be taken. Upon passing the exam an application is submitted to a regulator in the state of 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.
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.
Terms of a policy will differ from person to person. One example is the amount of the co-payments. A co-payment is the agreed upon amount paid for each service, a doctors office call for example.
If the insured is having a surgical procedure done, he may be required to pay a percentage of the total charges. The company will pay the rest. Depending on the terms, this applies towards the annual 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.
There are pre-licensing courses a person must take. Then an examination must be taken. Upon passing the exam an application is submitted to a regulator in the state of 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.
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.
Terms of a policy will differ from person to person. One example is the amount of the co-payments. A co-payment is the agreed upon amount paid for each service, a doctors office call for example.
If the insured is having a surgical procedure done, he may be required to pay a percentage of the total charges. The company will pay the rest. Depending on the terms, this applies towards the annual 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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