RHU study plan
RHU · Give each week a clear focus.
8 weeks · About 7 hours per week
Individual medical expense and disability income insurance
Differentiate individual medical expense policy structures (basic hospital/surgical, major medical, HSA-qualified high-deductible plans) by comparing deductibles, coinsurance, and out-of-pocket limits
Explain disability income benefit mechanics, including elimination periods, benefit periods, and the difference between own-occupation and any-occupation definitions
Calculate a monthly disability benefit from a stated income replacement percentage, then apply riders and offsets to the result
Identify the underwriting factors, exclusions, and pre-existing condition provisions commonly applied to individual health and disability income policies
Your checkpoint
Complete a 40-question diagnostic on Domain 2 and produce a written error log that labels each missed item by concept (benefit mechanics, definitions, calculation, underwriting).
Individual medical expense and disability income insurance & Health insurance fundamentals, policy design, and regulation
Apply policy-design provisions - renewability clauses, grace periods, reinstatement, riders, and cancellation rights - to scenario-style questions
Contrast state regulation of individual health insurance (rate filing, mandated benefits, market conduct) with applicable federal requirements
Distinguish the roles of NAIC model regulations, state departments of insurance, and federal statutes in shaping policy design
Re-solve every item in the Domain 2 error log from Week 1 and restate the missed concept in your own words
Your checkpoint
Produce a one-page comparison table of renewability clauses and regulatory jurisdiction, and retake the Domain 2 quiz at 80% or higher.
Group health plans and employee benefit design
Classify group health plan types (indemnity, PPO, HMO, POS, consumer-driven) by network structure, cost-sharing, and funding arrangement
Explain group eligibility rules, actively-at-work provisions, late entrant requirements, and coordination-of-benefits order
Describe ERISA reporting and disclosure obligations and translate them into fiduciary duties for plan sponsors
Interpret how group disability and group life benefits integrate with a group medical plan in a total benefits package
Your checkpoint
Write a case-study plan design for a 200-life employer that selects specific benefit provisions and justifies each choice against cost and compliance constraints.
Group health plans and employee benefit design & Health insurance fundamentals, policy design, and regulation
Evaluate Section 125 cafeteria plan structures and apply nondiscrimination testing concepts to eligibility and benefits
Apply COBRA continuation rules, including qualifying events, notice timelines, and premium limits, to fact patterns
Analyze HIPAA portability, creditable coverage, and special enrollment triggers in group settings
Connect group compliance requirements back to the policy-design and regulatory constraints studied in Domain 1
Your checkpoint
Sit a timed 60-question mixed Domain 1 and Domain 3 exam and submit a ranked list of the five weakest concepts with a remediation action for each.
Health care financing, managed care, and cost containment & Public and senior health programs (Medicare, Medicaid, ACA marketplace)
Differentiate managed care models and match each cost-containment tool (utilization review, case management, disease management, provider incentives) to the models that use it
Explain reimbursement methodologies including capitation, DRG-based payment, fee schedules, and value-based arrangements
Outline Medicare Parts A through D with respect to eligibility, enrollment periods, and beneficiary cost-sharing
Compare Medicare Advantage, Medigap, and Part D plan structures on coverage scope and out-of-pocket exposure
Your checkpoint
Build a cost-containment matrix mapping each tool to its model and payer type, plus a one-page Medicare Parts A–D eligibility and cost-sharing reference sheet.
Public and senior health programs (Medicare, Medicaid, ACA marketplace) & Worksite and voluntary benefits, including enrollment and administration
Distinguish Medicare and Medicaid on eligibility, financing, benefit scope, and dual-eligible interaction
Explain ACA marketplace mechanics, including metal tiers, premium tax credits, cost-sharing reductions, special enrollment periods, and SHOP
Describe worksite voluntary products (critical illness, accident, hospital indemnity) and state their tax treatment and underwriting approach
Sequence an open-enrollment communication timeline with specific owner, channel, and date for each step
Your checkpoint
Produce a side-by-side comparison of Medicare, Medicaid, and ACA marketplace coverage across eligibility, benefits, and cost-sharing, scored against a ten-point accuracy checklist.
Worksite and voluntary benefits, including enrollment and administration & Ethics, fiduciary responsibility, and professional practice
Execute enrollment administration tasks: eligibility verification, evidence-of-insurability handling, payroll deduction setup, and premium reconciliation
Apply fiduciary duty concepts to benefits administration decisions and identify where a producer's role creates fiduciary exposure
Detect ethical violations and conflicts of interest in producer compensation, replacement, and suitability scenarios
Draft a compliant client communication that discloses required information without creating liability
Your checkpoint
Assemble a mock enrollment case file containing eligibility records, EOI documentation, a reconciliation worksheet, and a compliant client communication letter.
Individual medical expense and disability income insurance & Group health plans and employee benefit design
Complete two full-length practice exams under timed conditions and score each by domain to compare against a 75% target
Re-teach the three lowest-scoring domains from memory using blank-page recall before checking notes
Re-work every missed item from Weeks 4 and 8, writing the rule and the distractor logic for each
Consolidate high-yield rules - COBRA timelines, Medicare enrollment windows, disability definitions, renewability clauses - into a single one-page final review sheet
Your checkpoint
Submit a scored two-exam performance report by domain with a final one-page high-yield rules sheet and confirmation that every missed item has been re-worked.
Milestones
Week 2: Domain 2 diagnostic retaken at 80% or higher, with a closed error log showing every Week 1 miss explained in your own words.
Week 4: Mixed Domain 1 and Domain 3 timed exam completed with a scored breakdown and a written remediation plan for the five weakest concepts.
Week 6: All four comparison deliverables (policy provisions, cost containment, Medicare/Medicaid/marketplace, plan design) completed and self-scored against accuracy checklists.
Week 8: Two full-length timed practice exams averaged at 75% or better overall with no single domain below 70%.