✅ 4 Hour New York Life, Accident & Health Insurance Compliance – Part 2 Online CE Course

✅ Approved by the New York State Department of Financial Services | Provider #NYPO-104705 | Course #NYCS-285085 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete 4 hours of New York insurance continuing education online with 1st Choice Continuing Education.

This 4-hour course is designed for New York licensed insurance agents, brokers, and producers who hold Life, Accident & Health lines of authority and need elective CE credit toward the 15-hour New York insurance renewal requirement.

Part 2 of our Life, Accident & Health compliance series focuses on individual accident and health policy standards, group benefits and employer plans, health claims, prompt-pay rules, explanation of benefits, managed care, utilization review, grievances, and external appeals.

The course is 100% online and self-paced. You can log in and out anytime without losing your progress, complete the course from any device, and receive your certificate immediately by email after completion. 1st Choice CE reports completed hours to New York within 24 hours.

✅ Course Details

Course Name: 4 Hour New York Life, Accident & Health Insurance Compliance – Part 2 Online CE Course

Approved by: New York State Department of Financial Services

Provider Number: #NYPO-104705

Course Number: #NYCS-285085

Course Length: 4 CE Credit Hours

Course Category: Elective Credit

Course Format: 100% online and self-paced, with a final exam required for self-study credit

Price: $19.99

Certificate: Emailed immediately after completion

Reporting: Completion reported to New York within 24 hours

Support: Call or text 1-800-698-2770

✅ Who Should Take This Course?

This course is intended for New York licensed insurance producers who hold Life, Accident & Health authority and need elective continuing education credit for renewal or relicensing.

This course is a good fit for:

• New York Life insurance agents
• New York Accident & Health insurance agents
• New York Life, Accident & Health brokers
• Producers who sell or service individual accident and health policies
• Producers who place or renew group medical, dental, or hospital coverage
• Benefits producers who explain eligibility, continuation, and conversion rules
• Producers who help clients with health claims, EOB questions, and appeals
• Producers who work with managed care products, networks, and utilization review issues
• Licensees who need 4 elective CE hours toward renewal
• Producers who want a 100% online, self-paced CE course with fast reporting

✅ Does This Course Satisfy the New York Requirement?

Yes. This course provides 4 hours of elective New York insurance continuing education credit.

It counts toward the 15 total CE credits generally required for New York insurance license renewal or relicensing. However, this is an elective course.

This course does not satisfy the separate 1-hour Insurance Law requirement, 1-hour ethics and professionalism requirement, 1-hour diversity/inclusion/elimination of bias requirement, or any flood insurance requirement that may apply to property/casualty licensees.

If you want the full 15 hours for a Life, Accident & Health renewal in one purchase, see our 15 Hour New York Life, Accident & Health Renewal Package listed below.

✅ New York Insurance Continuing Education Requirements

Most New York insurance producers must complete 15 credits of approved continuing education during each licensing period once the license has been in effect for more than two years.

For many licensees, the 15 credits must include:

• At least 1 hour of Insurance Law instruction
• At least 1 hour of ethics and professionalism instruction
• At least 1 hour of diversity, inclusion, and elimination of bias instruction
• At least 1 hour of flood insurance instruction, if licensed to sell one or more lines of property/casualty insurance
• At least 3 hours of enhanced flood insurance instruction, if selling flood insurance through the National Flood Insurance Program

Self-study and online courses require a passing grade on a final exam to receive CE credit.

New York resident licensees must take courses from a New York DFS-approved provider organization. Continuing education must be completed before the renewal or relicensing application is submitted.

✅ When Do New York Insurance Licensees Renew?

New York insurance licenses generally renew every two years. Expiration dates vary by licensee, so producers should check their license record to confirm the exact expiration date.

Individual and TBA producer licenses are generally eligible for renewal within 180 days of the expiration date.

Because continuing education must be completed before submitting the renewal application, it is best to complete your CE early instead of waiting until the final days before expiration.

✅ How to Renew Your New York Insurance License

Step 1: Confirm Your License Type and Expiration Date

Check your New York insurance license record and confirm your license type, lines of authority, and expiration date.

Step 2: Confirm Your CE Requirements

Most producers need 15 CE credits per licensing period. Your required topics may include Insurance Law, ethics and professionalism, diversity and bias elimination, and elective credits. Flood requirements may also apply if you hold property/casualty lines.

Step 3: Enroll in This 4-Hour Elective Course

Enroll online and begin immediately. The course is self-paced and can be completed from a computer, tablet, or phone.

Step 4: Complete the Course and Final Exam

Review the course material, complete the required course steps, and pass the final exam required for online self-study credit.

Step 5: Receive Your Instant Emailed Certificate

After completing the course, your certificate is emailed immediately. Keep a copy for your records.

Step 6: We Report Your Completion

1st Choice CE reports your completed hours to New York within 24 hours when the correct license information is provided.

Step 7: Renew With the State

After completing all required CE, submit your renewal through the New York licensing system before your license expiration date.

✅ What You Will Learn

This course gives New York Life, Accident & Health producers a practical review of accident and health coverage, group benefits, claims handling, and managed care compliance.

You will review:

• Individual accident and health policy standards in New York
• Regulation 62 full and fair disclosure principles
• Group and blanket accident and health policy provisions
• Employer plan eligibility, continuation, conversion, and benefit communication
• Community rating concepts and accurate premium communication
• Health claims, prompt-pay standards, and explanation of benefits requirements
• Managed care, utilization review, grievances, adverse determinations, and external appeal rights

✅ Course Content Overview

Hour 1: Individual Accident and Health Insurance Policy Standards

This section reviews key compliance rules for individual accident and health policies in New York.

Topics include:

• Individual accident and health policy requirements under New York Insurance Law §3216
• Policy form approval requirements under §3201
• Required provisions, policy definitions, riders, endorsements, applications, and related coverage materials
• Minimum standards for the form, content, and sale of health insurance under 11 NYCRR Part 52
• Full and fair disclosure principles for individual and small group accident and health coverage
• Replacement and multiple-policy concerns under 11 NYCRR §52.29
• Rating of individual and small group health insurance policies under Insurance Law §3231
• Client intake, application completion, coverage comparison, disclosure delivery, replacement documentation, and file notes

Hour 2: Group Accident and Health Coverage, Employer Plans, and Benefit Communications

This section focuses on group health coverage, employer plans, and producer communication responsibilities.

Topics include:

• Group and blanket accident and health policy provisions under Insurance Law §3221
• Certificate, eligibility, continuation, claims, and policyholder responsibilities
• Group contract standards for Article 43 corporations under §§4305 and 4306
• Group medical, dental, and hospital service coverage considerations
• Required benefits under Insurance Law §4303
• Continuation and conversion communication issues under §§3221 and 4305
• Employer group enrollment documentation, waiting periods, dependent status, class definitions, waiver forms, and census accuracy
• Employer renewal practices, rate-change communication, plan design changes, network differences, prescription drug coverage, and employee notices

Hour 3: Health Claims, Prompt Pay, Explanation of Benefits, and Consumer Service

This section reviews claim standards and producer service boundaries during health insurance claim issues.

Topics include:

• Standard health claim form requirements under Insurance Law §3224
• Prompt, fair, and equitable settlement of health care claims under Insurance Law §3224-a
• Statutory timeframes for undisputed claims
• Explanation of benefits requirements under Insurance Law §3244
• Claim tracking, provider billing issues, denial reasons, appeal preparation, and EOB review
• Producer communication standards during claims
• Proper support with documentation and policy communication
• Avoiding unauthorized claim determinations, medical advice, or promises of claim payment
• Claim intake notes, appeal deadlines, prompt-pay questions, billing disputes, and complaint escalation

Hour 4: Managed Care, Utilization Review, Grievances, and External Appeals

This section explains managed care compliance concepts and how producers can help clients understand appeal-related procedures.

Topics include:

• Managed care health insurance contract concepts under New York Insurance Law Article 48
• Managed care products and network-based coverage rules
• Grievance procedures under Insurance Law §4802
• Difference between a grievance, claim issue, and utilization review appeal
• Access to specialty care and end-of-life care under §§4804 and 4805
• Network rules, referral requirements, and access to covered services
• Utilization review definitions and determinations under §§4900 and 4903
• Adverse determinations, medical necessity review, clinical peer review, and non-clinical intake screening
• Appeals of adverse determinations and external appeal rights under §§4904 and 4910
• Documentation of network discussions, prior authorization issues, grievance referrals, appeal timelines, and communication limits

✅ Other New York Insurance CE Courses

Need more New York insurance CE? Here are other New York insurance courses and packages available from 1st Choice Continuing Education:

• 1 Hour New York Insurance Law Online CE Course – $9.99
• 1 Hour Ethics and Professionalism Online CE Course – $9.99
• 1 Hour Diversity, Inclusion, and Elimination of Bias Online CE Course – $9.99
• 4 Hour New York Life, Accident & Health Insurance Compliance – Part 1 Online CE Course – $19.99
• 4 Hour New York Life, Accident & Health Insurance Compliance – Part 3 Online CE Course – $19.99
• 3 Hour New York Mandatory Topics Package – $14.99
• 15 Hour New York Life, Accident & Health Renewal Package – $39
• 15 Hour New York P&C Insurance Renewal Package – $39

If you also hold property/casualty lines, you may need separate flood-related CE.

• 1 Hour Basic Flood Insurance Online CE Course – $9.99
• 3 Hour Enhanced NFIP Flood Insurance Online CE Course – $14.99
• 4 Hour New York Flood Package – $19.99

✅ Why Choose 1st Choice CE?

• Approved by the New York State Department of Financial Services
• Provider #NYPO-104705 and Course #NYCS-285085
• Affordable price — only $19.99
• 4 hours of New York insurance elective CE
• 100% online and self-paced
• Log in and out anytime without losing your progress
• Instant emailed certificate when you finish
• Course completion reported to New York within 24 hours
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Complete your 4 Hour New York Life, Accident & Health Insurance Compliance – Part 2 Online CE Course today for only $19.99.

This New York DFS-approved course is fast, affordable, self-paced, and designed for Life, Accident & Health producers who need elective CE credit for license renewal.