Curriculum: Indiana Accident & Health Insurance Only Prelicensing (20-Hour)

Orient Indiana Accident & Health Insurance Only candidates to the Indiana Department of Insurance (IDOI) authority under Title 27, producer licensing under IC 27-1-15.6, continuing education under IC 27-1-15.7, unfair trade and claims practices under IC 27-4-1 and IC 27-4-1-4.5, group A&H rate filings under IC 27-8-3, mandatory A&H policy provisions and minimum standards under IC 27-8-5 (including IC 27-8-5-3 and the IC 27-8-5-15 pre-existing condition limit), HMO regulation under IC 27-13, mandated benefits under IC 27-2-22, small employer group rules under IC 27-8-15, HIV and genetic-screening protections under IC 27-8-26, credit-information restrictions under IC 27-2-21, cybersecurity duties under IC 27-2-27-21(c), and the six elements of a valid insurance contract — all aligned to the Pearson VUE Indiana Accident & Health examination outline.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 1: Orientation, Indiana Regulatory Framework, A&H Licensing, and Insurance Contract Foundations.
• -Apply the lesson's rules to realistic Indiana accident and health insurance transactions, including sales presentations, applications, replacements, claims, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandated benefits, suitability obligations, and claims-handling issues that shape Indiana A&H, Medicare supplement, long-term care, and disability income products covered in this lesson.

Master ACA-compliant individual major medical (essential health benefits, metal tiers, MLR, premium tax credits, Indiana marketplace dynamics), disability income (own-occupation versus any-occupation, elimination and benefit periods, residual and partial disability, taxation under IRC §§104/105/106), long-term care under Indiana statutes and the Indiana LTC Partnership and HIPAA tax-qualified standards, specialty health products (critical illness, hospital indemnity, accident, dental, vision, cancer), Medicare supplement (Medigap) under IC 27-8-13 and 760 IAC 2-19, Health Savings Accounts and HSA-qualified HDHPs, HIPAA portability and creditable coverage — at the depth required to pass the Pearson VUE Indiana A&H examination.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 2: Individual Major Medical, Disability Income, Long-Term Care, and Specialty Health Products.
• -Apply the lesson's rules to realistic Indiana accident and health insurance transactions, including sales presentations, applications, replacements, claims, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandated benefits, suitability obligations, and claims-handling issues that shape Indiana A&H, Medicare supplement, long-term care, and disability income products covered in this lesson.

Distinguish group from individual A&H contracts; apply IC 27-8-15 small employer group rules, COBRA and Indiana mini-COBRA, HIPAA portability, ERISA preemption and self-funded plans, Section 125 cafeteria plans, HRAs, HSAs; explain Medicare Parts A, B, C, and D; navigate Medicare Advantage and Part D enrollment periods and CMS marketing rules under 42 CFR §422.2264; apply Medigap under IC 27-8-13 and 760 IAC 2-19; describe Indiana Medicaid and the Healthy Indiana Plan (HIP 2.0); distinguish SSDI from SSI; and apply Indiana senior protections including IC 27-4-1-4(a)(8) anti-rebating, suitability and free-look rules for senior consumers, and CMS scope-of-appointment requirements.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 3: Group A&H, Medicare, Medicaid, and Senior Protections.
• -Apply the lesson's rules to realistic Indiana accident and health insurance transactions, including sales presentations, applications, replacements, claims, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandated benefits, suitability obligations, and claims-handling issues that shape Indiana A&H, Medicare supplement, long-term care, and disability income products covered in this lesson.

Consolidate producer licensing and discipline grounds under IC 27-1-15.6 and IC 27-1-15.6-12, CE compliance under IC 27-1-15.7, the full Indiana unfair-trade-practice catalog under IC 27-4-1 and unfair claims settlement practices under IC 27-4-1-4.5, group A&H rate filings under IC 27-8-3, pre-existing condition limits under IC 27-8-5-15, HIV and genetic-screening protections under IC 27-8-26, cybersecurity and three-business-day breach notification under IC 27-2-27-21(c), HMO regulation under IC 27-13, 760 IAC 1-* administrative rules, the Indiana Life and Health Insurance Guaranty Association under IC 27-8-8, HIPAA Privacy and Security, ERISA preemption and records retention — and rehearse the Pearson VUE Indiana A&H examination via an 95-question Pearson-VUE-style randomized practice final with answer key and answer-letter distribution audit.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 4: Indiana Insurance Law, Ethics, Federal Compliance, and Pearson VUE Exam Readiness.
• -Apply the lesson's rules to realistic Indiana accident and health insurance transactions, including sales presentations, applications, replacements, claims, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandated benefits, suitability obligations, and claims-handling issues that shape Indiana A&H, Medicare supplement, long-term care, and disability income products covered in this lesson.