Health Insurance Basics
Discover the essential framework for understanding health insurance with the "Health Insurance Basics" course from the International Foundation of Employee Benefit Plans (IFEBP). This one-credit program covers key topics like plan types, coverage options, and legal requirements to help you navigate the complexities of modern health care. Learn about employer-sponsored benefits, government programs, and individual coverage through engaging lessons designed for real-world application. With an estimated completion time of 1.5 hours, this course is ideal for professionals seeking to expand their benefits knowledge. Explore the full details and enroll today at IFEBP’s e-learning platform.
Topics Covered
- Sources of Health Insurance in the United States, exploring employer-sponsored plans and government programs.
- Costs That Plan Participants May Pay, such as premiums, deductibles, and copays.
- Accounts Used to Pay for Health Care, like HSAs and HRAs.
- Where Participants Get Information on Plan Costs, such as SPDs and SBCs.
- Laws That Protect Health Plan Participants, including COBRA and HIPAA.
- Paying for Ancillary Benefits, covering dental, vision, and alternative health care.
Course Outline
Sources of Health Insurance in the United States
- The Need for Health Insurance
- Sources of Health Coverage in the United States
- Employer-Sponsored Group Health Plans
- Single Employer Plans
- Multiemployer Plans
- Governmental plans
- Government-Sponsored Programs
- When Participants Enroll in Employer-Sponsored Coverage
Estimated Time to Complete: 20 minutes
Costs That Plan Participants May Pay
- The Cost of Health Insurance
- Premiums
- Cost Sharing
- Deductibles
- Copays
- Coinsurance
- Out-of-Pocket Maximums
- High-Deductible Health Plans (HDHPs)
Estimated Time to Complete: 20 minutes
Accounts Used to Pay for Health Care
- Individually Controlled Health Accounts
- Health Savings Accounts (HSAs)
- HSA Contribution Amounts
- Health Care Flexible Spending Accounts (HCFSAs)
- HCFSA Special Rules
- Health Reimbursement Arrangement (HRA)
Estimated Time to Complete: 20 minutes
Where Participants Get Information on Plan Costs
- Documents That Inform Participants of General Plan Costs
- Summary Plan Description (SPD)
- Summary of Material Modifications (SMM)
- Summary of Benefits and Coverage (SBC)
- Documents That Inform Participants of Actual Incurred Costs
Estimated Time to Complete: 20 minutes
Laws That Protect Health Plan Participants
- Consolidated Omnibus Budget Reconciliation Act (COBRA)
- Employee Retirement and Income Security Act (ERISA)
- Health Insurance Portability and Accountability Act (HIPAA)
- HIPAA Security
- Mental Health Parity and Addiction Equality Act of 2008 (MHPAEA)
- Michelle’s Law
- Newborns’ and Mothers’ Health Protection Act of 1996 (Newborns’ Act)
- Women’s Health and Cancer Rights Act of 1998 (WHCRA)
- Genetic Information Nondiscrimination Act (GINA)
Estimated Time to Complete: 30 minutes
Paying for Ancillary Benefits
- Benefits That May Be Covered Separately From a Group Health Plan
- Prescription Drug Coverage
- Traditional Dental Plans
- Behavioral Health Benefits
- Vision Benefits
- Hearing Benefits
- Alternative Health Care Coverage
Estimated Time to Complete: 20 minutes
NOTE: The estimated time to complete each lesson is based on word count and assumes uninterrupted consumption of the course. Actual time to complete each lesson can vary widely based on familiarity with the topics and other factors. Time required to complete the course final exam is not counted in these estimates.
Course Applies To
Questions?
Contact us at (888) 334-3327, option 3 or [email protected].
Why Choose E-Learning?
Self-Paced
Navigate the course at a pace that fits your learning style.
Convenient
Learn on your schedule—without the inconvenience of time away from the office.
Expert-Created Content
Take a deep-dive into a topic with content developed by industry leaders.
Cost-Effective
Save when you choose affordably-priced training with no additional travel costs.