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所在平台: Udemy |
课程主页: https://www.udemy.com/course/personal-finance-8-insurance-medical-disability/
课程评论：没有评论
本课程是“个人理财”系列课程的第八部分，重点关注医疗和残疾保险。 **课程内容概述：** * **医疗保险介绍**： * 阐述健康保险的定义，并与其他保险类型进行比较，指出其复杂性。 * 解释团体健康保险及其优势。 * 深入探讨《平价医疗法案》（ACA）及其对健康保险的影响。 * **各类健康保险计划**： * 介绍私人健康保险、健康维护组织（HMO）、优先提供者组织（PPO）和混合型服务计划（POS）。 * 定义高自付额健康计划（HDHP），并讨论其适用场景。 * **关键保险概念**： * 解析共同保险、共付额、自付额、既往症和健康保险成本等概念。 * 探讨购买医疗保健的选项，比较不同的保险公司，并介绍《合并综合预算及解雇法案》（COBRA）。 * **附加健康保险**： * 讲解牙科保险和视力保险，以及它们如何构成整体健康保险风险管理和健康维护策略的一部分。 * **长期护理与政府项目**： * 定义长期护理（LTC），并将其纳入整体医疗保健策略的考量。 * 讨论医疗保险（Medicare）和医疗补助（Medicaid）项目，以及它们在个人年长后的健康保险格局中的作用。 * **残疾保险**： * 讲解残疾保险的工作原理，以及如何将其作为个人风险管理策略的一部分。 * **实践练习**： * 提供包含可下载Excel工作簿（也可在Google Sheets中打开）的练习题。 * 练习题通常包含两个工作表：一个为答案集，方便学习者解析问题；另一个供学习者根据教学视频一步步地完成练习。
This course will cover personal finance decisions related to medical and disability insurance.We will describe health insurance and compare it to other kinds of insurance, noting areas where health insurance can be more complex.Learners will understand what group health insurance is and its benefits. We will discuss the Affordable Care Act (ACA) and the legislation's impact on health insurance.The course will cover private health insurance, health maintenance organizations, preferred provider organizations (PPOs), and point-of-service (POS) plans.We will also define high deductible health plans and discuss when they may be appropriate.The course will break down the concepts of coinsurance, copays, deductibles, preexisting conditions, and health insurance costs.We will consider options for purchasing health care, discuss different insurance companies, and consider the Consolidated Omnibus Budget Reconciliation Act (COBRA).Learners will also understand dental and vision insurance and how they relate to an overall health insurance risk mitigation and health maintenance strategy.The course will define long-term care (LTC) and consider its use in an overall health care strategy.We will discuss Medicare and Medicaid and how these government programs fit into the health insurance landscape as we age.Learners will also understand how disability insurance works and how to use it as part of an overall personal risk medication strategy.We will also have practice problems, including downloadable Excel Workbooks, which users may also open using Google Sheets.The Excel Workbooks will generally have at least two tabs. One tab will have the answer key so learners can deconstruct the problem. The second tab is where we work the practice problem step-by-step along with the instructional videos.
