Course Description

✅ 4-Hour Health Insurance & Medicare (Life, Health & Annuity) – Florida

Approved by Florida Department of Financial Services (DFS) ✅
Provider #374697 | School Official ID #374697 | Course #138883 | Course Offer ID #1241601
Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete 4 hours of Florida insurance continuing education online with this DFS-approved Health Insurance & Medicare course for Life, Health & Annuity agents. This course is designed to help Florida insurance professionals better understand health insurance fundamentals, Medicare, Medicare Advantage, Part D, Medicare Supplement policies, Florida regulation, marketing rules, senior protection, HIPAA privacy, claims, appeals, grievances, ethics, and E&O prevention.

You can complete the course online at your own pace, log in and out any time without losing your progress, and receive your instant emailed certificate after completion. We report your completion to Florida DFS within 24 hours, and your purchase is backed by our money-back guarantee.

✅ Who This Course Is For

This course is designed for Florida insurance agents who need approved continuing education and want practical training on health insurance, Medicare, regulation, marketing, suitability, and client service.

This course is a good fit for:

✅ Florida Life, Health & Annuity agents
✅ Florida Life and Health insurance agents
✅ Agents who discuss health insurance, Medicare, Medicare Advantage, Part D, or Medigap policies
✅ Agents who want to better understand senior protection and suitability
✅ Agents who need an approved Florida DFS insurance CE course
✅ Agents looking for a 4-hour online elective course
✅ Agents who want instant certificate access and DFS reporting

This course is especially helpful for agents who work with health insurance and Medicare clients, where plan types, cost sharing, networks, enrollment periods, late penalties, coordination of coverage, required disclosures, privacy, claims, and ethical communication are common discussion points.

✅ Florida Insurance License Renewal Requirements

Florida insurance continuing education requirements depend on license type and how long the agent has been licensed. Many Florida resident insurance agents must complete continuing education every two years, including a required Law & Ethics Update course for their license type plus approved elective continuing education hours.

For many major-lines Florida insurance agents, the CE requirement is commonly 24 hours every two years. Agents licensed for 6 or more years may qualify for a reduced 20-hour requirement. Your exact CE requirement is shown in your Florida DFS MyProfile account.

This 4-hour course is an approved Florida insurance CE course that may be used toward eligible elective continuing education hours for Life, Health & Annuity agents.

✅ When Do Florida Insurance Agents Have to Renew or Complete CE?

Florida insurance continuing education is generally due every two years by the end of the licensee’s birth month. Your exact compliance deadline and remaining CE requirements are shown in your Florida DFS MyProfile account.

To avoid compliance issues, complete your CE early and make sure your credits are posted before your deadline.

✅ How to Renew or Maintain Your Florida Insurance License

✅ Step 1: Check your DFS MyProfile account
Review your license type, CE deadline, and remaining CE requirements.

✅ Step 2: Complete your required CE courses
Make sure you complete any required Law & Ethics Update course and enough approved elective hours for your license type.

✅ Step 3: Take this 4-hour course online
Complete the Health Insurance & Medicare course at your own pace.

✅ Step 4: Receive your instant emailed certificate
After completion, your certificate is emailed to you for your records.

✅ Step 5: We report your completion
Your course completion is reported to Florida DFS within 24 hours.

✅ Step 6: Confirm your CE status
Check your DFS MyProfile account to confirm that your completed credits have posted.

✅ What You’ll Learn in This 4-Hour Course

This course focuses on health insurance fundamentals, Medicare coverage options, Florida regulation, marketing rules, suitability, consumer privacy, claims, ethics, and client-service responsibilities for Life, Health & Annuity agents.

✅ Course Content Overview

Hour 1: Health Insurance Fundamentals

This section introduces the key health insurance concepts agents need to explain clearly to clients.

Topics include:

✅ Purpose and structure of health insurance
✅ Key cost terms such as deductibles, copays, coinsurance, and out-of-pocket costs
✅ Health plan types, including HMO, PPO, EPO, and POS plans
✅ Major medical coverage and the Affordable Care Act framework
✅ Cost sharing, networks, and provider arrangements
✅ Limited-benefit and supplemental products
✅ Group versus individual health coverage

Hour 2: Medicare

This section reviews Medicare structure, enrollment, and the main coverage options agents may encounter when working with Medicare-eligible clients.

Topics include:

✅ Medicare overview, eligibility, and enrollment
✅ Medicare Part A hospital insurance
✅ Medicare Part B medical insurance
✅ Medicare Part C / Medicare Advantage
✅ Medicare Part D prescription drug coverage
✅ Medicare Supplement / Medigap policies
✅ Enrollment periods and late penalties
✅ Coordination of coverage

Hour 3: Florida Regulation, Marketing, and Suitability

This section focuses on Florida and federal requirements that affect health insurance and Medicare-related sales conversations.

Topics include:

✅ Florida licensing and federal certification for health and Medicare sales
✅ Marketing rules and CMS requirements for Medicare products
✅ Senior protection and suitability
✅ Unfair practices and misrepresentation in health sales
✅ Required disclosures
✅ HIPAA privacy
✅ Protection of consumer information

Hour 4: Servicing, Claims, Ethics, and Application

This section focuses on practical client service, claims support, ethical responsibilities, and E&O prevention.

Topics include:

✅ Enrolling clients and ongoing service
✅ Claims, appeals, and grievances
✅ Ethics and the Florida Code of Ethics
✅ Errors-and-omissions prevention in health sales
✅ Avoiding fraud and unauthorized or bogus health plans
✅ Case studies and a client-service checklist

✅ Why Choose 1st Choice CE?

✅ Approved by Florida Department of Financial Services
✅ Provider #374697
✅ School Official ID #374697
✅ Course #138883
✅ Course Offer ID #1241601
✅ Only $15.99
✅ 100% online and self-paced
✅ Log in and out any time without losing progress
✅ Instant emailed certificate after completion
✅ Completion reported to Florida DFS within 24 hours
✅ Money-back guarantee
✅ Over 10 years of trusted continuing education service
✅ Support by phone or text – 1-800-698-2770

✅ Enroll Now – Only $15.99

This is a fast, affordable way to complete 4 hours of Florida insurance continuing education online while reviewing health insurance, Medicare, Medicare Advantage, Part D, Medigap, Florida regulation, marketing, suitability, privacy, claims, ethics, and client service.

✅ Frequently Asked Questions

Is this course approved by Florida DFS?
Yes. This course is approved by the Florida Department of Financial Services. Provider #374697, School Official ID #374697, Course #138883, Course Offer ID #1241601.

How many CE hours is this course?
This course provides 4 hours of Florida insurance continuing education.

Who should take this course?
This course is designed for Florida Life, Health & Annuity agents and other eligible insurance professionals who need approved CE and want a practical review of health insurance and Medicare topics.

Does this course count as a Law & Ethics Update course?
No. This is a 4-hour Health Insurance & Medicare course. If your renewal requires a Law & Ethics Update course, you must complete the required Law & Ethics course separately.

Can I take this course online?
Yes. This course is 100% online and self-paced.

Can I log in and out without losing my progress?
Yes. Your progress is saved, so you can return anytime and continue where you left off.

Do I get a certificate after completing the course?
Yes. You receive an instant emailed certificate after course completion.

Do you report my completion to Florida DFS?
Yes. Your completion is reported to Florida DFS within 24 hours.

When do Florida insurance agents need to complete CE?
Florida insurance CE is generally due every two years by the end of the licensee’s birth month. Check your DFS MyProfile account for your exact CE deadline and requirements.

What does this course cover?
The course covers health insurance fundamentals, HMO/PPO/EPO/POS plans, major medical coverage, ACA concepts, cost sharing, networks, Medicare Parts A and B, Medicare Advantage, Part D, Medigap, enrollment periods, late penalties, Florida regulation, Medicare marketing rules, senior protection, suitability, HIPAA privacy, claims, appeals, grievances, ethics, E&O prevention, and fraud prevention.

Is there a money-back guarantee?
Yes. This course is backed by our money-back guarantee.

Course Details

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Approved Course #138883
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.