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Registered Employee Benefits Consultant (REBC) Program
7 Courses: 4 Required / 3 Electives
As of January 1, 2016 current students have until June 30, 2017 to complete their REBC designation through the American College.

Starting January 2017 NAHU will take new enrollees. REBC has newly revised requirements and for those of you that have already been earning NAHU certifications, you may be closer to earning your REBC designation, than you think.

Earning the Registered Employee Benefits Consultant® (REBC®) designation elevates your credibility as a professional. The field of employee benefits continues to evolve rapidly. A year does not go by without new government regulations, new or modified coverages, and new techniques for controlling benefit costs. To best serve their clients, professionals need to have a current understanding of the provisions, advantages, and limitations associated with each type of benefit or program as a method for meeting economic security. The designation program analyzes group benefits with respect to the ACA environment, contract provisions, marketing, underwriting, rate making, plan design, cost containment, and alternative funding methods. The largest portion of this course is devoted to group medical expense plans that are a major concern to employers, as well as to employees. The remainder of course requirements include electives on topics serving various markets based on a broker’s client needs.
Program Learning Objectives
Upon completion of this program, the student should be able to:
  • Describe the legal regulations and methodologies involved in benefits management
  • Describe the main features of commonly provided group insurance benefit plans, including applicable regulations, contract provisions, marketing, underwriting, rate making, plan design and cost containment
  • Describe the main components of the Affordable Care Act as they relate to group health benefits and ethically guide clients toward compliance with the legal regulations while minimizing tax penalties and related employment costs
  • Identify the main features of employer-provided benefits
  • Describe the COBRA election process, and explain the rules that apply to the determination and payment of the COBRA election process, and explain the rules that apply
  • Understand core ethical business practices
  • HIPAA Privacy and Security and ERISA regulations and requirements
Patient Protection and Affordable Care Act (Required)

NAHU Members register for only $495.00!  If you are not currently a member, click here to join.

Developed by experts in both PPACA/Healthcare Reform and employment law, this high-level 11 CE credit hour course will ensure that the student understands the key technical components of PPACA, and is better prepared to counsel his or clients on upcoming required health care changes and new options and requirements for health plans.

An overview of all regulations already issued will be presented, along with details on specific regulations issued to date.  The student will learn what is needed to comply with the new law as well as how the market is likely to change over the next few years and will be able to develop client specific time lines and provide advice to guide clients in planning for the future.

Complete course instruction will be delivered through NAHU's Online Learning Institute (OLI) and followed by a final exam required to obtain certification and continuing education (CE) credits reported to your state Department of Insurance.

 

The PPACA certification course is a certification of expertise in the provisions and implementation of health reform. It does not meet state or federal requirements that may be necessary or required to sell exchange-based plans.

 

For Course CE status by state, click here.

For CE rules, click here.

 

Ordering Information:

Quantity sales. Special discounts are available on quantity purchases by corporations, associations, and others. For details, contact the publisher.

Orders by distribution: Tel: (844) 257-0990 or email: professionaldevelopment@nahu.org 

Student Services: Tel: (844) 257-0990

Advanced Topics in Group Benefits (Required)

Please verify your state CE approval prior to enrollment by clicking here.

 

Who should take this course: Licensed Life/Health Agents, Consultants and Brokers

CE Requested in all 50 states:  8 hours

Reading Material - Textbook  (5 hours)

Viewing Material - Video Run Time: (3 hours)

 

Study Method: On-line self-study

 

OVERVIEW AND OBJECTIVES

This course covers advanced topics related to group benefits, including ERISA, Medicaid, and Social Security. NAHU has created a course to educate professionals about advanced group benefits topics.

 

ERISA is a major federal legislation which widely affects the employee benefits marketplace.  It defines an employee welfare benefit plan and the communication and transparency requirements that must be met in order to be compliant with the law.  It also defined a fiduciary and established the fiduciary’s role in an ERISA plan.  ERISA also established rules around plan discrimination, benefit plan claims procedures, required plan reporting, and the appropriate handling of plan assets.

 

Medicaid is a federal and state government program that pays for medical assistance for certain individuals and families with low incomes and resources.  Medicaid enrollment has grown significantly due to the Affordable Care Act’s guidelines. Medicaid is a highly visible alternative to medical care that is available through the state health insurance exchanges.

 

In addition to covering the topics on Medicaid and ERISA, this course will explore Underwriting and the processes of evaluating an insurance applicant, making decisions about the applicant’s acceptability for insurance coverage, and determining the appropriate basis on which to determine the price for the coverage.  The agent or broker needs to understand the pricing and underwriting process, as this is the process which determines the competitive status of his/her proposal for the client.

 

This program will survey Social Insurance programs, including Social Security, that are important in the employee benefits marketplace.  Social benefits account for nearly one quarter of the dollars that employers spend on benefits for their employees.  For some employees, the social insurance benefits serve as the foundation for the employee’s benefit program; for other employees, the social insurance benefits may be the only benefits they have.

 

Learning Objectives:

  • Understanding the types of welfare benefit plans that are subject to ERISA and the parties involved
  • Understanding ERISA plan documents and specifics addressed in the required documents and how ERISA affects claims procedures
  • Understand who are ERISA fiduciaries
  • Understanding the roles of the federal and state governments in Medicaid programs
  • Understanding the eligibility requirements for Medicaid and scope of services
  • Understanding the relationship between Medicare and Medicaid
  • Understanding the process of underwriting and its importance to group insurance rates and how premium rates are calculated and used to determine group insurance premiums
  • Understanding the process of using experience rating to calculate premiums
  • Understand the reasons why social insurance exists and what are the basic features
  • The extent of Social coverage and how programs are financed
  • The types of benefits available under Social Security and benefit eligibility
  • Social Security federal tax laws apply and Medicare contributions

 

CE rules by state

Group Benefits: Basic Concepts (Required)

Please verify your state CE approval prior to enrollment by clicking here.

 

Who should take this course: Licensed Life/Health Agents, Consultants and Brokers

CE Requested in all 50 states:  8 hours

Reading Material - Text book (5 hours)

Viewing Material -  Video Run Time (3 hours)

 

Study Method: On-line self study

 

OVERVIEW AND OBJECTIVES

Employee benefits are a major part of the overall compensation for employees in the marketplace.  The significance of the term “employee benefits” has increased in recent years.  Whether you use a narrow definition of employee benefits or a broad definition of employee benefits, employee benefits are an important “expectation” for employees to receive when working for an employer and for employers to provide to their employees. 

 

The course covers employee benefits that include Medical Expense coverage, Life Insurance, Retiree Life Insurance, Disability Income, and managed care plans.

 

To address this important factor in health insurance sales, NAHU has created a course to educate professionals through an introduction to the basic concepts of group benefits and their role in today’s health insurance marketplace.

 

Learning Objectives

                       

An understanding of the material in this chapter will enable the student to

 

  • Identify the categories of benefits that can be included in a broad definition of employee benefits, and explain their significance.
  • Understand the benefit structure and planning process.
  • Understand the characteristics of Voluntary Benefits and when they come into play.
  • Understand how the benefit schedules under group term life insurance plans might be determined.
  • Describe the eligibility requirements and other contract provisions usually found in group term life insurance plans.
  • Understand the tax implications of group term insurance to both employers and employees.
  • Understand group variable life insurance options.
  • Describe the characteristics of insured disability income plans and their tax implications of group disability income premiums and benefits for the employer and the employees.
  • Obtain working knowledge of the providers of traditional medical expense insurance plans and exclusions.
  • Understand the role of provider networks and utilization management in managed care plans.
  • Understand eligibility provisions found in medical expense plans and clearly define the coordination-of-benefits process.
  • Identify the relationship between employer-provided medical expense coverage, Medicare and the tax implications of group medical expense premiums.
  • Identify the objectives of an effective employee benefit communications program, and describe the methods by which it might be implemented.

 

CE Rules by state

NAHU Ethics in Business (Required)

Please verify your state CE approval prior to enrollment by clicking here.

 

Who should take this course: Licensed Health/Life Agents, Consultants and Brokers

Study Method: On-line Self Study

CE Requested in all 50 states:  3 hours

Reading Material - Textbook (2 hours)

Online video run time: (3 hours)

 

OVERVIEW AND OBJECTIVES

Ethics both individually and throughout society set the benchmark for behavior that is morally right and good.  Ethics also encompasses the mission, values, and principles of a profession.  A Code of Ethics is used to measure individual and organizational performance against an established benchmark. 

 

Video Run TimeTo address this important factor in health insurance sales, NAHU has created this course to educate professionals about ethical behavior and the inherent expectations for ethical behavior in their roles in their relationships with their clients and business resources.  This course also includes a discussion of the potential ethical concerns created by the Affordable Care Act and the world of advancing technologies. Additionally, this course will satisfy most state requirements.

 

Learning Objectives:

 

  • The definition of ethics
  • The factors that influence ethical behavior
  • The three different types of rights and how each is justified and enforced
  • The difference between moral obligations and role-specific moral obligations
  • The characteristics of a profession
  • The role-specific obligations of managed care organizations, medical care providers, insurance professionals, and insureds as both clients and patients
  • The potential ethics concerns created by the Affordable Care Act
  • The ethical concerns associated with advancing technologies
  • What constitutes a Code of Ethics and why we have them

 

CE Rules by state

Voluntary Worksite Certification (Elective)

Voluntary Worksite Certification

Reading Materials – Workbook: (1 hour)

Viewing Materials – Video Run Time: 150 min (3 hours)

 

To address this evolving opportunity, NAHU has created a new three-hour Voluntary/Worksite Certification course. Completion of this course will ensure a strong technical knowledge of the rules and regulations pertaining to various types of voluntary/worksite products and proven methods for communicating those options to employers and employees in a compelling way.

 

CE Rules by state

Individual Health Insurance Certification (Elective)

Who should take this course: Licensed Life/Health Agents, Consultants and Brokers

 

Study Method: On-line self-study

CE Requested in all 50 states:  12 hours in all states

Reading Material -Textbook : (8 hours)

Viewing Material - Video Run Time: (4 hours)

 

OVERVIEW AND OBJECTIVES

Health insurance protects financial security as a person anticipates and moves through life’s various stages.  Adequate health insurance helps to build and maintain financial security by shielding a person from financial setbacks that could compromise that security should ill health or injury occur at any stage in life.  Employer funding of health insurance has declined significantly over the past 30 years which places more responsibility on the individual to provide his or her own financial protection.

 

Agents and Brokers ensure their clients to have products of value that provide peace of mind and protect against significant losses.  The client becomes the policy owner and the insurer backs the promises in the contract. Underwriting is an essential function in all forms of insurance. It is the process of evaluating an insurance applicant, making decisions about the applicant’s acceptability for insurance coverage, and determining the appropriate basis on which to provide coverage and charge a premium. 

 

NAHU created this course for professionals to better assist their clients in working towards an immediate goal of becoming protected against insurer insolvency and unfair treatment by insurers.  Health insurance is arguable the most heavily regulated type of insurance; it protects almost irreplaceable personal values that are directly related to health and well-being, earning a living, and the conduct of life’s basic activities. Purchasing individual health insurance is a process that relies on a number of fundamental components such as insurability of health-related expenses, sources for individual health insurance, and the market for individual health insurance.  This course will educate you on the Affordable Care Act, the purchasing process for individual medical expense coverage differences and comparisons from the purchasing process for individual disability and long term care.

 

Medical expense policies provide the benefits for health care services purchased on an individual basis.  Historically, principal policies were limited to hospital and physician services related to inpatient care and surgery and had fixed or scheduled benefit limits.  The Affordable Care Act expanded coverage requirements with the inclusion of essential health benefits, eliminated lifetime and annual maximum limits, eliminated health status as underwriting criteria and eliminated pre-existing condition clauses for medical expense plans. 

 

Learning Objectives:

 

  • Understanding the three component forms of individual health insurance and how other health insurance programs affect the need for individual health insurance
  • How current environmental developments influence the individual health insurance market
  • History and review of  health insurance from earlier decades to the present
  • Understanding the Affordable Care Act and the changes it brought to individual medical expense policies and the types of state regulations that affect individual health insurance policies
  • Understanding  income-tax treatment of health insurance policies
  • Obtain full knowledge of all  factors that make a health insurance risk insurable and the unintended consequences that insurers must guard against
  • Understanding the state health insurance exchange marketing entity and its components
  • The offer and acceptance of a binding contract created in the proposal process with the submission of a properly completed application
  • The importance of true and complete information in an insurance application and how a medical expense policy can be retroactively rescinded
  • The key and miscellaneous provisions of an insurance contract
  • The goal and requirements of the Uniform electronic Transactions Act and its effect on insurance transactions
  • The general nature of major medical insurance policies
  • The characteristics that make managed care plans effective
  • The ways preferred provider organization arrangements and HMOs function
  • How to determine which medical expense plan is the best fit

 

CE Rules by state

NAHU Consumer Driven Health Care Certification (Elective)

NAHU Consumer Driven Health Care Certification

Reading Materials -  Workbook (1 hour)

Viewing Material -  Video Run Time: 106 mins

 

The four-hour course provides technical, actionable information that can be used to help clients consider fast-evolving plans and implement them. NAHU provides top-notch instructors who are leading experts in the industry.

 

CE Rules by state

NAHU Wellness Certification (Elective)

NAHU Wellness Certification

Viewing Materials – Transcript: 2 hours; Video Run Time: 3 hours

 

Did you know that "controllable behaviors" -- overeating, smoking and physical inactivity -- account for nearly 25 percent of all U.S. health care spending? Imagine if your employer clients could reduce these costs from their total benefit spending. To address controllable behaviors, many companies are adopting wellness programs. But are such programs effective, and do they offer a return on investment?

 

Employee Benefits professionals are asked questions like these every day. The ability to not only answer the questions but provide timely, effective advice is essential. For this reason, NAHU is sponsoring a new Wellness Certification course that addresses these issues in a comprehensive overview that draws upon dozens of sources. Approved for two hours of continuing education for insurance in 48 states the course addresses:

 

  • Communicating the need for wellness and prevention
  • Demonstrating the effectiveness of wellness and case studies
  • The business case for wellness, and guidance on implementation
  • Compliance and legal issues
  • Creating incentives for participation
  • Measuring return on investment

 

CE Rules by state

Self-Funding Certification (Elective)

Self Funded Certification

Viewing Materials - Word Count of Transcript: 16,994; Word Count of PPT: 5,685; Video Run Time: 150 min (3 hours)

 

Developed by experts in the market space, this three-hour course instruction will ensure that students understand the key technical components of self-funding and are better prepared to counsel their clients on the various benefits of elimination of most premium tax, lowering cost of administration, claims/administration and customer service for employees.

 

Historically, employers have turned to the self-funding of their health plans when traditional insurance programs failed to meet their cost expectations. The many thousands of employers in the U.S. who have implemented self-insured medical programs later discovered the other advantages such as coverage flexibility and client-specific benefit plan administration. Self-funding is one of the most effective ways employers can control the rising costs of healthcare coverage. In understanding self-funding as a concept and how it differs from fully insured products, this course instructed by David Smith who will help provide in detail how it all works and proven methods for communicating this option to employers and employees in a compelling way

 

CE Rules by state

NAHU Medicare Certification (Elective)

Targeted Audience: life and health agents with experience in the industry

 

Course Overview/Objective: What follows in this course is an intermediate introduction with a retrospective of the Medicare program’s long and varied history since its introduction in 1965, aimed at helping you better understand the complexities of the senior health market and the details of the various Medicare-related products that are now available. There will be discussion covering origins and original intent of Medicare, Social Security and Medicaid, and go on to chronicle some of the major legislation and recent changes that has shaped the products we sell today. The discussion then turns to the current market as well as what the system could look like in the future, and closes with an explanation of how agents can best serve their client navigation through the Medicare maze.

 

•       Introduction to Medicare Insurance

•       The Future of Social Security, Medicare and Medicaid

•       Medicare Part A and Part B in Depth

•       Medicare Advantage and Part D in Depth

•       SNPs, Dual Eligibles and Getting Extra Help

•       Selling Medicare-Related Products

•       Selecting the Right Plan and Options

•       Regulations and Recent Changes to Medicare

 

Study Method: Online/ Self pace / Correspondence

 

CE Rules by state 

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