This course is the first in a series of courses under 8 hours each that provide a comprehensive delve into the intricate world of personal finance decisions pertaining to medical and disability insurance. Our mission is to empower you with the knowledge and tools to make informed choices that safeguard your financial well-being.

The journey begins with a deep dive into health insurance. We’ll not only demystify this essential form of coverage but also explain how it contrasts with other types of insurance, shedding light on the nuances that make health insurance a unique and often complex entity. You'll gain a clear understanding of group health insurance, its advantages, and how it can impact your life.

We’ll explore the Affordable Care Act (ACA) and how this legislation has transformed the landscape of health insurance. Moving forward, we'll navigate the realm of private health insurance, health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point-of-service (POS) plans. High deductible health plans will be discussed in detail, helping you determine when they might be the right choice for you.

Demystifying the concepts of coinsurance, copays, deductibles, preexisting conditions, and health insurance costs will be a core part of our curriculum, ensuring that you grasp the essential building blocks of health insurance. We’ll explore diverse options for purchasing healthcare and dissect the offerings of various insurance companies. The Consolidated Omnibus Budget Reconciliation Act (COBRA) will be unraveled, revealing its relevance in certain situations.

Our exploration extends to dental and vision insurance, revealing their roles in an overall strategy for risk mitigation and health maintenance. You'll gain insights into long-term care (LTC) and how it can be integrated into your broader healthcare strategy. The course will cover Medicare and Medicaid, elucidating how these government programs intersect with health insurance as you age.

Understanding disability insurance is a crucial component of our course. We’ll equip you with the knowledge to incorporate disability insurance effectively into your personal risk mitigation strategy.

To reinforce your learning, we offer practice problems, including downloadable Excel workbooks that are compatible with Google Sheets. These workbooks include answer keys and instructional videos, ensuring that you can deconstruct problems and work through them step-by-step.

Join us on this journey to master the complexities of health and disability insurance, and gain the confidence to make well-informed financial decisions that will protect your future.