Health Policy Provisions and Field Practice

What this video covers

• The Health Insurance Portability and Accountability Act (HIPAA) privacy roles, and why requesting medical records alone does not make a producer a covered entity
• The entire-contract clause, written endorsements, and why an oral quote does not change written benefits
• How grace periods, lapse, and reinstatement work, and why a later claim report does not change the date of loss
• Why preauthorization is not a promise to pay, and how exclusions differ from benefit limits
• The difference between probationary and elimination periods, plus how occupation changes and age or gender misstatements can adjust benefits
• How guaranteed renewable and non-cancelable policies differ, and when beneficiary changes may require consent
• Why deductibles apply before coinsurance, what incontestability can restrict, and when replacement coverage should become effective