Overview of Health Insurance Underwriting Courses

Health insurance underwriters take into consideration various criteria and determine whether or not to approve applicants for health insurance coverage. Read on to learn about some of the most popular course offerings for health insurance underwriters.

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Essential Information

Individuals working as health insurance underwriters have usually taken courses in insurance and health management and commonly hold a bachelor's degree in finance or business administration. Courses typically cover topics such as health benefits, insurance regulations and medical expense policies for individuals, businesses or groups. These types of courses may be offered through degree programs at colleges and universities; however, some professional organizations may offer them as standalone courses for certification preparation purposes as well. Although certification is not always required for health insurance underwriters, it may increase job prospects. Common subjects in these programs may include:

  • Medical expenses
  • Disability income
  • Long-term care
  • Rate making
  • The Affordable Care Act
  • Contracts

List of Courses

Medical Insurance and Risk Management Course

This course discusses the financing and reimbursement methods used in the healthcare insurance industry. It also covers functions of the private health insurance industry in the U.S., such as the operation, structure, performance and monetary purpose. Students develop skills in health insurance underwriting, marketing, pricing, cost control and health-insurance claims processing. They also examine the functions of Medicaid and Medicare programs as well as national healthcare reform and government regulations on private health insurance companies.

Group Benefits Course

Students learn about group health insurance benefits, such as cafeteria plans, HSA and HRA consumer health plans. They also study underwriting, cost containment, marketing, alternative funding methods, contracts and government involvement. Their lessons also address private health care programs that deal with disability, death and senior citizens age requirements.

Individual Health Insurance Course

This class teaches the overall functions of individual health care insurance policies for families and individuals. It also explores the various types of insurance packages, such as disability income, long-term care and medical expenses. Other topics include underwriting, policies, contracts and insurance regulations.

Advanced Health and Life Insurance Course

Enrollees gain knowledge and skills in net and gross premium rate-making, laws and regulations, underwriting, contracts, claims, marketing and strategic financial planning. Students also grasp an understanding of liability and property insurance.

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