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Ohio Accident and Health Insurance Agent — Information & Free Practice

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Ohio Accident and Health Insurance Agent

Provider
PSI Services LLC
Format
Computer administered written examination
Exam questions
100 scored questions; additional unscored experimental items may be administered
Time limit
2 Hours
Passing score
70%
Examination outline
  • 1.0 Insurance Regulation (10%)
    • 1.1 Licensing
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Requirements (3905.02, .04, .041, .05, .051, .06; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Resident/nonresident (3905.06, .061, .07, .071)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Change in name, address, email, telephone number (3905.061, 3905.071; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Renewal/nonrenewal (3905.06; 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Temporary license (3905.09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Duty to report criminal convictions and administrative disciplinary actions (3905.22)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Assumed business names (3905.11)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Continuing education including exemptions and penalties (3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to military service (3905.06(G)); 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to extenuating circumstances (3905.06(G); 3901-5- 09(J))
    • 1.1 Licensing / Disciplinary actions (3905.14)
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12)
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Failure to pay taxes (3905.14(B)(14))
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Failure to appear for an interview (3905.14(B)(22))
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Failure to provide department with a written response (3905.14(B)(21))
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99)
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Cease and desist orders (3901.221; 3905.14(H), 3901.22(D))
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Civil
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Criminal
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Hearings (3901.22; 3905.14(C); 3905.14(D); ORC 119)
    • 1.1 Licensing / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 12) / Consent/Settlement agreements (3901.22(G))
    • 1.2 State regulation
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42) / Negotiate, sell, solicit (3905.01, .02)
    • 1.2 State regulation / Director's general duties and powers (3901.01, 3901.011, .04, .041; 3905.12)
    • 1.2 State regulation / Company regulation
    • 1.2 State regulation / Company regulation / Certificate of authority (1751.02, 3907.08; 3909.01, .08, 3925.11, 3927.01))
    • 1.2 State regulation / Company regulation / Insolvency (3903.01(O))
    • 1.2 State regulation / Company regulation / Policy forms/rates/exceptions (3918.08; 3935.04; 3937.03; 3923.02, 3923.021; 1751.11, 1751.12)
    • 1.2 State regulation / Company regulation / Financial requirements (3901-1-50; 3901-3-04; 3907.05, 3929.011)
    • 1.2 State regulation / Company regulation / Unfair trade and claims settlement practices (3901.19-.26; 3901- 1-07; 3901-1-54))
    • 1.2 State regulation / Agent regulation
    • 1.2 State regulation / Agent regulation / Commissions, compensations, fees (3905.18; 3905.181; 3901-5- 09(N), 3905.55) Reporting of felony and crimes of moral turpitude (3905.14 (B)(6), (B)(7), .22)
    • 1.2 State regulation / Agent regulation / Policy/application signature (3905.14(B)(11), (26))
    • 1.2 State regulation / Appointment procedures
    • 1.2 State regulation / Appointment procedures / Agent appointment (3905.20; 3901-5-09(K))
    • 1.2 State regulation / Appointment procedures / Cancellation of appointment (3905.16(B)(1))
    • 1.2 State regulation / Appointment procedures / Termination notification (3905.21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Rebating (3911.20; 3933.01; 3999.05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Premium refunds and other incentives (3905.14(B)(32); 3999.05, Bulletins 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / False advertising (3901.21(A), (B), (C), (D), (E), 3901.24; 3905.43; 3999.10, .11)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Misrepresentation (3901.21(A),(B); 3905.14(B)(5); 3999.08)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Defamation of insurer (3901.21(C ), (D); 3999.09)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Unfair discrimination (3901.21(L), (M), (N))
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Illegal inducements (3933.01; 3999.05, 3901.21(G), 3911.20, Bulletins 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / General grounds for disciplinary action (3905.14(B))
    • 1.2 State regulation / Examination of books and records (3901.04, .07)
    • 1.2 State regulation / Insurance fraud regulation (3999.21, .31, .37, .41, .42, .99; 2913.47, 3901.44) Insurance information privacy (3901.44; 3904.04, 3904.14, 3965.01- .11)
    • 1.2 State regulation / Consumer information/fees (3905.55; 3901-6-04; 3905.181)
    • 1.3 Federal regulation
    • 1.3 Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • 1.3 Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • 1.3 Federal regulation / Other federal regulations (e.g., Do Not Call List) (https://www.donotcall.gov/)
  • 2.0 General Insurance (10%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk management key terms / Risk
    • 2.1 Concepts / Risk management key terms / Exposure
    • 2.1 Concepts / Risk management key terms / Hazard
    • 2.1 Concepts / Risk management key terms / Peril
    • 2.1 Concepts / Risk management key terms / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Methods of handling risk / Avoidance
    • 2.1 Concepts / Methods of handling risk / Retention
    • 2.1 Concepts / Methods of handling risk / Sharing
    • 2.1 Concepts / Methods of handling risk / Reduction
    • 2.1 Concepts / Methods of handling risk / Transfer
    • 2.1 Concepts / Elements of insurable risks
    • 2.1 Concepts / Adverse selection
    • 2.1 Concepts / Law of large numbers
    • 2.1 Concepts / Reinsurance
    • 2.1 Concepts / Indemnity/pay on behalf of
    • 2.2 Insurers
    • 2.2 Insurers / Types of insurers
    • 2.2 Insurers / Types of insurers / Stock companies
    • 2.2 Insurers / Types of insurers / Mutual companies
    • 2.2 Insurers / Types of insurers / Fraternal benefit societies
    • 2.2 Insurers / Types of insurers / Reciprocals
    • 2.2 Insurers / Types of insurers / Lloyd's associations
    • 2.2 Insurers / Types of insurers / Risk retention groups
    • 2.2 Insurers / Types of insurers / Surplus lines
    • 2.2 Insurers / Authorized/admitted versus unauthorized/nonadmitted insurers
    • 2.2 Insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Financial solvency status (e.g., A.M. Best, Standard and Poor's, Moody's, NAIC)
    • 2.2 Insurers / Marketing (distribution) systems
    • 2.3 Agent and general rules of agency
    • 2.3 Agent and general rules of agency / Insurer as principal
    • 2.3 Agent and general rules of agency / Agent/insurer relationship
    • 2.3 Agent and general rules of agency / Authority and powers of agents
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Express
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Implied
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Apparent
    • 2.3 Agent and general rules of agency / Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts / Elements of a legal contract
    • 2.4 Contracts / Elements of a legal contract / Offer and acceptance
    • 2.4 Contracts / Elements of a legal contract / Consideration
    • 2.4 Contracts / Elements of a legal contract / Competent parties
    • 2.4 Contracts / Elements of a legal contract / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Personal contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • 2.4 Contracts / Legal interpretations affecting contracts / Indemnity
    • 2.4 Contracts / Legal interpretations affecting contracts / Utmost good faith
    • 2.4 Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • 2.4 Contracts / Legal interpretations affecting contracts / Warranties
    • 2.4 Contracts / Legal interpretations affecting contracts / Concealment
    • 2.4 Contracts / Legal interpretations affecting contracts / Fraud
    • 2.4 Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Accident and Health Insurance Basics (15%)
    • 3.1 Definitions of perils
    • 3.1 Definitions of perils / Accidental injury
    • 3.1 Definitions of perils / Sickness
    • 3.2 Principal types of losses and benefits
    • 3.2 Principal types of losses and benefits / Loss of income from disability
    • 3.2 Principal types of losses and benefits / Medical expense
    • 3.2 Principal types of losses and benefits / Dental expense
    • 3.2 Principal types of losses and benefits / Vision expense
    • 3.2 Principal types of losses and benefits / Long-term/home health care expense
    • 3.3 Classes of health insurance policies
    • 3.3 Classes of health insurance policies / Individual versus group
    • 3.3 Classes of health insurance policies / Private versus government
    • 3.3 Classes of health insurance policies / Limited versus comprehensive
    • 3.3 Classes of health insurance policies / Self-funded/ERISA
    • 3.3 Classes of health insurance policies / Employee association
    • 3.4 Limited policies
    • 3.4 Limited policies / Limited perils and amounts
    • 3.4 Limited policies / Required notice to insured
    • 3.4 Limited policies / Types of limited policies
    • 3.4 Limited policies / Types of limited policies / Accident-only
    • 3.4 Limited policies / Types of limited policies / Specified (dread) disease
    • 3.4 Limited policies / Types of limited policies / Hospital indemnity (income)
    • 3.4 Limited policies / Types of limited policies / Credit disability
    • 3.4 Limited policies / Types of limited policies / Blanket insurance (teams, passengers, other) (3923.13)
    • 3.4 Limited policies / Types of limited policies / Prescription drugs
    • 3.4 Limited policies / Types of limited policies / Vision care
    • 3.4 Limited policies / Types of limited policies / Critical illness
    • 3.4 Limited policies / Types of limited policies / Dental
    • 3.4 Limited policies / Types of limited policies / Hearing
    • 3.4 Limited policies / Types of limited policies / Group supplemental
    • 3.4 Limited policies / Types of limited policies / Travel
    • 3.4 Limited policies / Types of limited policies / Short-term major medical
    • 3.4 Limited policies / Medicare supplement & Part D (3923.33, .338, .331 - .336; 3901-8-08, 3901-8-09)
    • 3.5 Common exclusions from coverage
    • 3.5 Common exclusions from coverage / War or act of war
    • 3.5 Common exclusions from coverage / Elective cosmetic surgery
    • 3.5 Common exclusions from coverage / Workers' compensation
    • 3.5 Common exclusions from coverage / Commission or attempt of a felony
    • 3.5 Common exclusions from coverage / State child health program
    • 3.6 Agent responsibilities in individual health insurance
    • 3.6 Agent responsibilities in individual health insurance / Marketing requirements
    • 3.6 Agent responsibilities in individual health insurance / Marketing requirements / Advertising
    • 3.6 Agent responsibilities in individual health insurance / Marketing requirements / Life and Health Insurance Guaranty Association (3956.04, .06, .18; 3901-1-52)
    • 3.6 Agent responsibilities in individual health insurance / Marketing requirements / Sales presentations
    • 3.6 Agent responsibilities in individual health insurance / Marketing requirements / Outline of coverage
    • 3.6 Agent responsibilities in individual health insurance / Marketing requirements / Common situation for omission/errors
    • 3.6 Agent responsibilities in individual health insurance / Field underwriting
    • 3.6 Agent responsibilities in individual health insurance / Field underwriting / Nature and purpose
    • 3.6 Agent responsibilities in individual health insurance / Field underwriting / Disclosure of information about individuals
    • 3.6 Agent responsibilities in individual health insurance / Field underwriting / Application procedures
    • 3.6 Agent responsibilities in individual health insurance / Field underwriting / Requirements at delivery of policy
    • 3.6 Agent responsibilities in individual health insurance / Field underwriting / Employee waiver form
    • 3.6 Agent responsibilities in individual health insurance / Field underwriting / Medicare Marketing Rules for Center for Medicare and Medicaid Services (CMS) & Ohio
    • 3.7 Individual underwriting by the insurer
    • 3.7 Individual underwriting by the insurer / Criteria
    • 3.7 Individual underwriting by the insurer / Unfair discrimination (3923.15; 3901.21)
    • 3.7 Individual underwriting by the insurer / Genetic testing (3901.491, .501)
    • 3.7 Individual underwriting by the insurer / Sources of underwriting information (3904; 3901.21(M))
    • 3.7 Individual underwriting by the insurer / Sources of underwriting information (3904; 3901.21(M)) / Application
    • 3.7 Individual underwriting by the insurer / Sources of underwriting information (3904; 3901.21(M)) / Agent report
    • 3.7 Individual underwriting by the insurer / Sources of underwriting information (3904; 3901.21(M)) / Attending physician statement
    • 3.7 Individual underwriting by the insurer / Sources of underwriting information (3904; 3901.21(M)) / Investigative consumer (inspection) report
    • 3.7 Individual underwriting by the insurer / Sources of underwriting information (3904; 3901.21(M)) / Medical Information Bureau (MIB)
    • 3.7 Individual underwriting by the insurer / Sources of underwriting information (3904; 3901.21(M)) / Medical examinations and lab tests (including HIV consent) (3901.46(A), (B)(1))
    • 3.7 Individual underwriting by the insurer / Classification of risks
    • 3.7 Individual underwriting by the insurer / Classification of risks / Preferred
    • 3.7 Individual underwriting by the insurer / Classification of risks / Standard
    • 3.7 Individual underwriting by the insurer / Classification of risks / Substandard
    • 3.7 Individual underwriting by the insurer / Classification of risks / Declined
    • 3.8 Considerations in replacing accident and health insurance
    • 3.8 Considerations in replacing accident and health insurance / Waiting period
    • 3.8 Considerations in replacing accident and health insurance / State requirements
    • 3.8 Considerations in replacing accident and health insurance / Benefits, limitations and exclusions
    • 3.8 Considerations in replacing accident and health insurance / Underwriting requirements
    • 3.8 Considerations in replacing accident and health insurance / Agent liability for errors and omissions
  • 4.0 Individual Accident and Health Insurance Policy General Provisions (9%)
    • 4.1 Standard provisions (3923.04)
    • 4.1 Standard provisions (3923.04) / Entire contract; changes (A)
    • 4.1 Standard provisions (3923.04) / Time limit on certain defenses (B)
    • 4.1 Standard provisions (3923.04) / Grace period (C)
    • 4.1 Standard provisions (3923.04) / Reinstatement (D)
    • 4.1 Standard provisions (3923.04) / Claim procedures (E-I)
    • 4.1 Standard provisions (3923.04) / Physical examinations and autopsy (J)
    • 4.1 Standard provisions (3923.04) / Legal actions (K)
    • 4.1 Standard provisions (3923.04) / Change of beneficiary (L)
    • 4.1 Standard provisions (3923.04) / Cancellation by insured (M)
    • 4.2 Optional provisions (3923.05)
    • 4.2 Optional provisions (3923.05) / Change of occupation (A)
    • 4.2 Optional provisions (3923.05) / Misstatement of age (B)
    • 4.2 Optional provisions (3923.05) / Other insurance in this insurer (C)
    • 4.2 Optional provisions (3923.05) / Insurance with other insurers
    • 4.2 Optional provisions (3923.05) / Insurance with other insurers / Expense-incurred benefits (D)
    • 4.2 Optional provisions (3923.05) / Insurance with other insurers / Other than expense-incurred basis (E)
    • 4.2 Optional provisions (3923.05) / Unpaid premium (G)
    • 4.2 Optional provisions (3923.05) / Conformity with state statutes (H)
    • 4.2 Optional provisions (3923.05) / Illegal occupation (I)
    • 4.3 Other general provisions
    • 4.3 Other general provisions / Right to examine (free look) (3923.31)
    • 4.3 Other general provisions / Insuring clause
    • 4.3 Other general provisions / Consideration clause
    • 4.3 Other general provisions / Subrogation
    • 4.3 Other general provisions / Renewability clause
    • 4.3 Other general provisions / Renewability clause / Non-cancelable
    • 4.3 Other general provisions / Renewability clause / Guaranteed renewable
    • 4.3 Other general provisions / Renewability clause / Conditionally renewable
    • 4.3 Other general provisions / Renewability clause / Renewable at option of insurer
    • 4.3 Other general provisions / Renewability clause / Nonrenewable (cancelable, term)
  • 5.0 Disability Income and Related Insurance (8%)
    • 5.1 Qualifying for disability benefits
    • 5.1 Qualifying for disability benefits / Inability to perform duties
    • 5.1 Qualifying for disability benefits / Inability to perform duties / Own occupation
    • 5.1 Qualifying for disability benefits / Inability to perform duties / Any occupation
    • 5.1 Qualifying for disability benefits / Pure loss of income (income replacement contracts)
    • 5.1 Qualifying for disability benefits / Presumptive disability
    • 5.1 Qualifying for disability benefits / Requirement to be under physician care
    • 5.1 Qualifying for disability benefits / State minimum benefit standards and exclusions
    • 5.2 Individual disability income insurance
    • 5.2 Individual disability income insurance / Basic total disability plan
    • 5.2 Individual disability income insurance / Basic total disability plan / Income benefits (monthly indemnity)
    • 5.2 Individual disability income insurance / Basic total disability plan / Elimination and benefit periods
    • 5.2 Individual disability income insurance / Basic total disability plan / Waiver of premium feature
    • 5.2 Individual disability income insurance / Coordination with social insurance and workers' compensation benefits
    • 5.2 Individual disability income insurance / Coordination with social insurance and workers' compensation benefits / Additional monthly benefit (AMB)
    • 5.2 Individual disability income insurance / Coordination with social insurance and workers' compensation benefits / Social insurance supplement (SIS)
    • 5.2 Individual disability income insurance / Coordination with social insurance and workers' compensation benefits / Occupational versus nonoccupational coverage, eligibility and benefits
    • 5.2 Individual disability income insurance / At-work benefits
    • 5.2 Individual disability income insurance / At-work benefits / Partial disability benefit
    • 5.2 Individual disability income insurance / At-work benefits / Residual disability benefit
    • 5.2 Individual disability income insurance / Other provisions affecting income benefits
    • 5.2 Individual disability income insurance / Other provisions affecting income benefits / Cost of living adjustment (COLA) rider
    • 5.2 Individual disability income insurance / Other provisions affecting income benefits / Future increase option (FIO) rider
    • 5.2 Individual disability income insurance / Other provisions affecting income benefits / Relation of earnings to insurance (3923.05(F))
    • 5.2 Individual disability income insurance / Other cash benefits
    • 5.2 Individual disability income insurance / Other cash benefits / Accidental death and dismemberment
    • 5.2 Individual disability income insurance / Other cash benefits / Rehabilitation benefit
    • 5.2 Individual disability income insurance / Other cash benefits / Medical reimbursement benefit (non-disabling injury)
    • 5.2 Individual disability income insurance / Benefit and Refund provisions
    • 5.2 Individual disability income insurance / Benefit and Refund provisions / Return of premium
    • 5.2 Individual disability income insurance / Benefit and Refund provisions / Cost of living adjustment
    • 5.2 Individual disability income insurance / Benefit and Refund provisions / Future increase option
    • 5.2 Individual disability income insurance / Benefit and Refund provisions / Annual renewable term
    • 5.2 Individual disability income insurance / Benefit and Refund provisions / Change of occupation
    • 5.2 Individual disability income insurance / Benefit and Refund provisions / Cash surrender value
    • 5.2 Individual disability income insurance / Exclusions
    • 5.3 Unique aspects of individual disability underwriting
    • 5.3 Unique aspects of individual disability underwriting / Occupational considerations
    • 5.3 Unique aspects of individual disability underwriting / Benefit limits
    • 5.3 Unique aspects of individual disability underwriting / Policy issuance alternatives
    • 5.4 Group disability income insurance
    • 5.4 Group disability income insurance / Group versus individual plans
    • 5.4 Group disability income insurance / Short-term disability (STD)
    • 5.4 Group disability income insurance / Long-term disability (LTD)
    • 5.5 Business disability insurance
    • 5.5 Business disability insurance / Key person disability income
    • 5.5 Business disability insurance / Business overhead expense policy
    • 5.5 Business disability insurance / Disability buy-sell policy
    • 5.5 Business disability insurance / Reducing term
    • 5.6 Social Security disability
    • 5.6 Social Security disability / Qualification for disability benefits
    • 5.6 Social Security disability / Definition of disability
    • 5.6 Social Security disability / Waiting period
    • 5.6 Social Security disability / Disability income benefits
    • 5.7 Workers' compensation
    • 5.7 Workers' compensation / Eligibility
    • 5.7 Workers' compensation / Benefits
  • 6.0 Medical Plans (9%)
    • 6.1 Medical plan concepts
    • 6.1 Medical plan concepts / Fee-for-service basis versus prepaid basis
    • 6.1 Medical plan concepts / Specified coverages versus comprehensive care
    • 6.1 Medical plan concepts / Benefit schedule versus usual/reasonable/customary charges
    • 6.1 Medical plan concepts / Any provider versus limited choice of providers
    • 6.1 Medical plan concepts / Insureds versus subscribers/participants
    • 6.2 Types of providers and plans
    • 6.2 Types of providers and plans / Major medical insurance (indemnity plans)
    • 6.2 Types of providers and plans / Major medical insurance (indemnity plans) / Characteristics
    • 6.2 Types of providers and plans / Major medical insurance (indemnity plans) / Common limitations
    • 6.2 Types of providers and plans / Major medical insurance (indemnity plans) / Exclusions from coverage
    • 6.2 Types of providers and plans / Major medical insurance (indemnity plans) / Provisions affecting cost to insured
    • 6.2 Types of providers and plans / Health insuring corporations (HICs)(formerly known as health maintenance organizations)
    • 6.2 Types of providers and plans / Preferred provider organizations (PPOs)
    • 6.2 Types of providers and plans / Preferred provider organizations (PPOs) / General characteristics
    • 6.2 Types of providers and plans / Preferred provider organizations (PPOs) / In and out of network
    • 6.2 Types of providers and plans / Preferred provider organizations (PPOs) / Types of parties to the provider contract
    • 6.2 Types of providers and plans / Point-of-service (POS) plans
    • 6.2 Types of providers and plans / Point-of-service (POS) plans / Nature and purpose
    • 6.2 Types of providers and plans / Point-of-service (POS) plans / Out-of-network provider access
    • 6.2 Types of providers and plans / Point-of-service (POS) plans / PCP referral (gatekeeper PPO)
    • 6.2 Types of providers and plans / Point-of-service (POS) plans / Indemnity plan features
    • 6.2 Types of providers and plans / Point-of-service (POS) plans / HIC plan features
    • 6.2 Types of providers and plans / Consumer Driven Plans
    • 6.2 Types of providers and plans / Ohio Children's Health Insurance Program (5160; 5161)
    • 6.3 Cost containment in health care delivery
    • 6.3 Cost containment in health care delivery / Cost-saving services
    • 6.3 Cost containment in health care delivery / Cost-saving services / Preventive care
    • 6.3 Cost containment in health care delivery / Cost-saving services / Hospital outpatient benefits
    • 6.3 Cost containment in health care delivery / Cost-saving services / Alternatives to hospital services
    • 6.3 Cost containment in health care delivery / Utilization management reviews
    • 6.3 Cost containment in health care delivery / Utilization management reviews / Prospective review
    • 6.3 Cost containment in health care delivery / Utilization management reviews / Concurrent review
    • 6.3 Cost containment in health care delivery / Utilization management reviews / Retrospective
    • 6.3 Cost containment in health care delivery / Grievance procedures
    • 6.3 Cost containment in health care delivery / Prior authorization procedures (3923.041, 1751.72)
    • 6.4 Ohio requirements (individual and group)
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Dependent child coverage (3923.24, .56; 1751.14, 3923.241)
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Newborn child coverage (3923.26; 1751.61)
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Coverage of adopted children (3923.40; 3924.51; 1751.59)
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Enrollment
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Special Enrollment Period
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Non-custodial parent
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Grandchildren
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Immunizations
    • 6.4 Ohio requirements (individual and group) / Eligibility requirements / Physically/mentally handicapped coverage
    • 6.4 Ohio requirements (individual and group) / Women's benefits
    • 6.4 Ohio requirements (individual and group) / Women's benefits / Cytologic screening and mammography (3923.52; 1751.62)
    • 6.4 Ohio requirements (individual and group) / Women's benefits / Infertility
    • 6.4 Ohio requirements (individual and group) / Women's benefits / Maternity
    • 6.4 Ohio requirements (individual and group) / Women's benefits / Postpartum
    • 6.4 Ohio requirements (individual and group) / Coordination of benefits provision
    • 6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements
    • 6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Eligibility
    • 6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Privacy
    • 6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Guaranteed issue
    • 6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Renewability
    • 6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Mental health parity
    • 6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Security provisions
    • 6.6 Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)
    • 6.6 Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) / Definition
    • 6.6 Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) / Eligibility
    • 6.6 Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) / Eligibility / Contribution limits
    • 6.7 PPACA (Patient Protection and Affordable Care Act)
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Adverse benefit determination (3922.01-.23)
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Rollout schedule
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Employer compliance
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Department of labor audits
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Types of plans
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Enrollment periods
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Healthcare.gov versus private plans
    • 6.7 PPACA (Patient Protection and Affordable Care Act) / Statement of benefits, coverages and uniform glossary
  • 7.0 Health Insuring Corporations (HICs) (6%)
    • 7.1 General characteristics
    • 7.1 General characteristics / Combined health care delivery and financing
    • 7.1 General characteristics / Structure and providers
    • 7.1 General characteristics / Limited service area
    • 7.1 General characteristics / Limited choice of providers
    • 7.1 General characteristics / Gatekeeper concept/Primary care physician versus referral (specialty) physician
    • 7.1 General characteristics / Copayments
    • 7.1 General characteristics / Prepaid basis
    • 7.2 HIC services (1751.01)
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A))
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Preventive care services
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Physician services
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Emergency care
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Urgent care
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Hospital services
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Outpatient services
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Diagnostic services
    • 7.2 HIC services (1751.01) / Basic health services (1751.01 (A)) / Cancer clinical trials
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B))
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Intermediate or long-term care facilities
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Dental care
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Vision care
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Podiatric care
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Mental health services
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Alcohol and drug abuse treatment
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Home health services
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Prescription drug services
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Nursing services
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Physical therapy
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Chiropractic services
    • 7.2 HIC services (1751.01) / Supplemental health care services (1751.01(B)) / Specialty Health Care Services (1751.01 (C))
    • 7.3 HIC certification and regulation
    • 7.3 HIC certification and regulation / Solicitation documents (1751.31)
    • 7.3 HIC certification and regulation / Advertising (1751.20)
    • 7.3 HIC certification and regulation / Confidentiality of medical and health information (1751.52)
    • 7.3 HIC certification and regulation / Contractual plan
    • 7.3 HIC certification and regulation / Contractual plan / Evidence of coverage (1751.11, .33)
    • 7.3 HIC certification and regulation / Contractual plan / Benefits and exclusions
    • 7.3 HIC certification and regulation / Contractual plan / Open enrollment provision
    • 7.3 HIC certification and regulation / Contractual plan / Member rights (1751.18)
    • 7.3 HIC certification and regulation / Renewal (1751.18)
  • 8.0 Group Accident and Health Insurance (9%)
    • 8.1 Characteristics of group insurance
    • 8.1 Characteristics of group insurance / Group contract
    • 8.1 Characteristics of group insurance / Certificate of coverage
    • 8.1 Characteristics of group insurance / Experience rating versus community rating
    • 8.2 Types of eligible groups
    • 8.2 Types of eligible groups / Employment-related groups
    • 8.2 Types of eligible groups / Employment-related groups / Individual employer groups
    • 8.2 Types of eligible groups / Employment-related groups / Multiple-Employer Trusts (METs) or Welfare Arrangements (MEWAs) (Chapter 1739)
    • 8.2 Types of eligible groups / Employment-related groups / Associations
    • 8.2 Types of eligible groups / Employment-related groups / Blanket (3923.13)
    • 8.2 Types of eligible groups / Students health plans
    • 8.2 Types of eligible groups / Customer groups (depositors, creditor-debtor, other)
    • 8.3 Marketing considerations
    • 8.3 Marketing considerations / Advertising
    • 8.3 Marketing considerations / Regulatory jurisdiction/place of delivery
    • 8.3 Marketing considerations / Disclosure form
    • 8.4 Employer group health insurance
    • 8.4 Employer group health insurance / Insurer underwriting criteria
    • 8.4 Employer group health insurance / Insurer underwriting criteria / Characteristics of group
    • 8.4 Employer group health insurance / Insurer underwriting criteria / Nondiscrimination
    • 8.4 Employer group health insurance / Insurer underwriting criteria / Plan design factors
    • 8.4 Employer group health insurance / Insurer underwriting criteria / Plan design factors / Contributory/non-contributory
    • 8.4 Employer group health insurance / Insurer underwriting criteria / Persistency factors
    • 8.4 Employer group health insurance / Insurer underwriting criteria / Administrative capability
    • 8.4 Employer group health insurance / Insurer underwriting criteria / State requirements
    • 8.4 Employer group health insurance / Eligibility for coverage
    • 8.4 Employer group health insurance / Eligibility for coverage / Annual open enrollment
    • 8.4 Employer group health insurance / Eligibility for coverage / Part-time employees
    • 8.4 Employer group health insurance / Eligibility for coverage / Dependent, spousal eligibility
    • 8.4 Employer group health insurance / Eligibility for coverage / Domestic partners/civil unions
    • 8.4 Employer group health insurance / Coordination of benefits provision
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage / Coinsurance and deductible carryover
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage / No-loss no-gain
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage / Events that terminate coverage
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage / Extension of benefits
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage / Continuation of coverage under COBRA 29 USC1161 and Ohio- specific rules (3923.38)
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage / Cancellation or nonrenewal
    • 8.4 Employer group health insurance / Change of insurance companies or loss of coverage / Reinstatement for military personal
    • 8.5 Small employer medical plans
    • 8.5 Small employer medical plans / Definition of small employer (3924.01(N))
    • 8.5 Small employer medical plans / Eligibility of employees (3924.01(G))
    • 8.5 Small employer medical plans / Open/late enrollment (3924.01(I))
    • 8.5 Small employer medical plans / Service waiting period (3924.01(M)
    • 8.5 Small employer medical plans / Guaranteed issue (3924.03(E))
    • 8.5 Small employer medical plans / Renewability (3924.03(B))
    • 8.5 Small employer medical plans / Premium rates (3924.04)
    • 8.5 Small employer medical plans / Disclosure rules (3924.033)
  • 9.0 Dental Care Plans (3%)
    • 9.1 Categories of dental treatment
    • 9.1 Categories of dental treatment / Diagnostic and preventive
    • 9.1 Categories of dental treatment / Restorative
    • 9.1 Categories of dental treatment / Oral surgery
    • 9.1 Categories of dental treatment / Endodontics
    • 9.1 Categories of dental treatment / Periodontics
    • 9.1 Categories of dental treatment / Prosthodontics
    • 9.1 Categories of dental treatment / Orthodontics
    • 9.2 Indemnity plans
    • 9.2 Indemnity plans / Choice of providers
    • 9.2 Indemnity plans / Choice of providers / Network versus out-of-network
    • 9.2 Indemnity plans / Scheduled versus nonscheduled plans
    • 9.2 Indemnity plans / Deductibles
    • 9.2 Indemnity plans / Coinsurance
    • 9.2 Indemnity plans / Exclusions, limitations
    • 9.2 Indemnity plans / Benefit categories
    • 9.2 Indemnity plans / Benefit categories / Diagnostic/preventive services
    • 9.2 Indemnity plans / Benefit categories / Basic services
    • 9.2 Indemnity plans / Benefit categories / Major services
    • 9.2 Indemnity plans / Deductibles and coinsurance
    • 9.2 Indemnity plans / Combination plans
    • 9.2 Indemnity plans / Exclusions
    • 9.2 Indemnity plans / Limitations
    • 9.2 Indemnity plans / Predetermination of benefits
    • 9.3 Employer group dental expense
    • 9.3 Employer group dental expense / Integrated deductibles versus stand-alone plans
    • 9.3 Employer group dental expense / Minimizing adverse selection
    • 9.3 Employer group dental expense / Stand-alone plans
  • 10.0 Insurance for Senior Citizens and Special Needs Individuals (15%)
    • 10.1 Medicare
    • 10.1 Medicare / Nature, financing, administration and terminology
    • 10.1 Medicare / Part A — Hospital Insurance
    • 10.1 Medicare / Part A — Hospital Insurance / Individual eligibility requirements
    • 10.1 Medicare / Part A — Hospital Insurance / Enrollment
    • 10.1 Medicare / Part A — Hospital Insurance / Coverages and cost-sharing amounts
    • 10.1 Medicare / Part A — Hospital Insurance / Exclusions
    • 10.1 Medicare / Part B — Medical Insurance
    • 10.1 Medicare / Part B — Medical Insurance / Individual eligibility requirements
    • 10.1 Medicare / Part B — Medical Insurance / Enrollment
    • 10.1 Medicare / Part B — Medical Insurance / Coverages and cost-sharing amounts
    • 10.1 Medicare / Part B — Medical Insurance / Exclusions
    • 10.1 Medicare / Part B — Medical Insurance / Claims terminology and other key terms
    • 10.1 Medicare / Part C — Medicare Advantage
    • 10.1 Medicare / Part C — Medicare Advantage / Nature, financing, administration and terminology
    • 10.1 Medicare / Part C — Medicare Advantage / Eligibility Requirements
    • 10.1 Medicare / Part C — Medicare Advantage / Enrollment timelines
    • 10.1 Medicare / Part C — Medicare Advantage / Plan types and definitions
    • 10.1 Medicare / Part C — Medicare Advantage / Coverages and cost-sharing amounts
    • 10.1 Medicare / Part C — Medicare Advantage / Supplemental Benefits
    • 10.1 Medicare / Part C — Medicare Advantage / Exclusions/limitations
    • 10.1 Medicare / Part D — Prescription Drug Insurance
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Nature, financing, administration and terminology
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Eligibility and enrollment
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Coverage, formulary, tiering, exceptions/appeals
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Cost Sharing, premium, deductible, coverage gap, catastrophic
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Low Income Subsidy
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Late enrollment penalty
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Limitations- Prior auth, step therapy, quantity limits
    • 10.1 Medicare / Part D — Prescription Drug Insurance / Preferred, network pharmacies
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D)
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Purpose
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Open enrollment
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Solicitation of Medicare supplements (3923.33, .338.331-.336; 3901- 8-08, 3901-8-09)
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Standardization Medicare supplement plans
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Standardization Medicare supplement plans / Core benefits
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Standardization Medicare supplement plans / Additional benefits
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Standards for marketing
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Certification requirements
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Advertising
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Appropriateness of recommended purchase and excessive insurance
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Outline of coverage
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Right to return (free look)
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Replacement
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Required disclosure provisions
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Permitted compensation arrangements
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Notice of change
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Ohio regulations and required provisions / Guaranteed issue
    • 10.2 Medicare supplements (3923.33, .338.331-.336; OAC 3901-8-08 Amended, including Appendix C and D) / Medicare SELECT
    • 10.3 Other options for individuals with Medicare
    • 10.3 Other options for individuals with Medicare / Employer group health plans
    • 10.3 Other options for individuals with Medicare / Employer group health plans / Disabled employees
    • 10.3 Other options for individuals with Medicare / Employer group health plans / Employees with kidney failure
    • 10.3 Other options for individuals with Medicare / Employer group health plans / Individuals age 65 or older
    • 10.3 Other options for individuals with Medicare / Employer group health plans / Connector Models
    • 10.3 Other options for individuals with Medicare / Medicaid
    • 10.3 Other options for individuals with Medicare / Medicaid / Eligibility
    • 10.3 Other options for individuals with Medicare / Medicaid / Benefits
    • 10.3 Other options for individuals with Medicare / Medicaid / Differences
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50)
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / LTC, Medicare and Medicaid compared
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Eligibility for benefits
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care / Skilled care
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care / Intermediate care
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care / Custodial care
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care / Home health care
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care / Adult day care
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care / Respite care
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Levels of care / Assisted living
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Benefit periods
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Benefit amounts
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Optional benefits
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Optional benefits / Guarantee of insurability
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Optional benefits / Return of premium
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Qualified LTC plans
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Exclusions
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Underwriting considerations
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Standards for marketing (3901-4-01(V))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Advertising (3901-4-01(U))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Appropriateness of recommended purchase (3901-4-01(W))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Inflation protection (3901-4-01(M))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Replacement (3901-4-01 (N)))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Unintentional lapse (3901-4-01(G))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Outline of coverage (3901-4-01, (DD); 3923.44(I))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Shopper's guide (3901-4-01(EE))
    • 10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- .50) / Ohio regulations and required provisions / Pre-existing conditions (3923.44(B)(4)(5), (D))
  • 11.0 Federal Tax Considerations for Accident and Health Insurance (6%)
    • 11.1 Personally-owned health insurance
    • 11.1 Personally-owned health insurance / Disability income insurance
    • 11.1 Personally-owned health insurance / Disability income insurance / Benefits subject to FICA
    • 11.1 Personally-owned health insurance / Medical expense insurance
    • 11.1 Personally-owned health insurance / Long-term care insurance
    • 11.2 Employer group health insurance
    • 11.2 Employer group health insurance / Disability income (STD, LTD)
    • 11.2 Employer group health insurance / Disability income (STD, LTD) / Benefits subject to FICA
    • 11.2 Employer group health insurance / Medical, dental and vision expense
    • 11.2 Employer group health insurance / Long-term care insurance
    • 11.2 Employer group health insurance / Accidental death and dismemberment
    • 11.3 Medical expense coverage for sole proprietors and partners
    • 11.4 Business disability insurance
    • 11.4 Business disability insurance / Key person disability income
    • 11.4 Business disability insurance / Buy-sell policy
    • 11.5 Medical Savings Accunts (MSAs) and Health savings accounts (HSAs)
    • 11.6 Health Reimbursement Accounts (HRAs)
Examination sources