 Medical AHIMA-CCS : Certified Coding Specialist (CPC) (ICD-10-CM) Exam DumpsExam Dumps Organized by Shahid nazir |
Latest 2023 Updated Medical Certified Coding Specialist (CPC) (ICD-10-CM) Syllabus
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Exam Number : AHIMA-CCS
Exam Name : Certified Coding Specialist (CPC) (ICD-10-CM)
Vendor Name : Medical
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AHIMA-CCS Exam Format | AHIMA-CCS Course Contents | AHIMA-CCS Course Outline | AHIMA-CCS Exam Syllabus | AHIMA-CCS Exam Objectives
Number of Questions on exam:
97 multiple-choice questions (79 scored/18 pretest)
8 medical scenarios (6 scored/2 pretest)
Exam Time: 4 hours – no breaks
Domain 1 – Health Information Documentation (8-10%)
Tasks:
1. Interpret health record documentation using knowledge of anatomy, physiology, clinical indicators and disease processes, pharmacology and medical terminology to identify codeable diagnoses and/or procedures
2. Determine when additional clinical documentation is needed to assign the diagnosis and/or procedure code(s)
3. Consult with physicians and other healthcare providersto obtain further clinical documentation to assist with code assignment
4. Compose a compliant physician query
5. Consult reference materialsto facilitate code assignment
6. Identify patient encounter type
7. Identify and post chargesfor healthcare services based on documentation
Domain 2 – Diagnosis & Procedure Coding (64-68%)
Tasks:
Diagnosis:
1. Select the diagnosesthat require coding according to current coding and reporting requirementsfor acute care (inpatient) services
2. Select the diagnosesthat require coding according to current coding and reporting requirementsfor outpatient services
3. Interpret conventions, formats, instructional notations, tables, and definitions of the classification system to select diagnoses, conditions, problems, or other reasonsfor the encounter that require coding
4. Sequence diagnoses and other reasons for encounter according to notations and conventions of the classification system and standard data set definitions(such as Uniform Hospital Discharge Data Set [UHDDS])
5. Apply the official ICD-10-CM coding guidelines
Procedure:
1. Select the proceduresthat require coding according to current coding and reporting requirementsfor acute care (inpatient) services
2. Select the proceduresthat require coding according to current coding and reporting requirementsfor outpatient services
3. Interpret conventions, formats, instructional notations, and definitions of the classification system and/ornomenclature to select procedures/servicesthat require coding
4. Sequence procedures according to notations and conventions of the classification system/nomenclature and standard data set definitions(such as UHDDS)
5. Apply the official ICD-10-PCS procedure coding guidelines
6. Apply the official CPT/HCPCS Level II coding guidelines
Domain 3 – Regulatory Guidelines and Reporting Requirements for Acute Care (Inpatient) Service (6-8%)
Tasks:
1. Select the principal diagnosis, principal procedure, complications, comorbid conditions, other diagnoses and proceduresthat require coding according to UHDDS definitions and Coding Clinic
2. Assign the present on admission (POA) indicators
3. Evaluate the impact of code selection on Diagnosis Related Group (DRG) assignment
4. Verify DRG assignment based on Inpatient Prospective Payment System (IPPS) definitions
5. Assign and/or validate the discharge disposition
DOMAIN 4. Regulatory Guidelines and Reporting Requirements for Outpatient Services (6-8%)
Tasks:
1. Select the reason for encounter, pertinentsecondary conditions, primary procedure, and other proceduresthat require coding according to UHDDS definitions, CPT Assistant, Coding Clinic, and HCPCS
2. Apply Outpatient Prospective Payment System (OPPS) reporting requirements:
a. Modifiers
b. CPT/ HCPCS Level II
c. Medical necessity
d. Evaluation and Management code assignment (facility reporting)
3. Apply clinical laboratory service requirements
DOMAIN 5. Data Quality and Management (2-4%)
Tasks:
1. Assess the quality of coded data
2. Communicate with healthcare providersregarding reimbursementmethodologies, documentation rules, and regulationsrelated to coding
3. Analyze health record documentation for quality and completeness of coding
4. Review the accuracy of abstracted data elementsfor database integrity and claims processing
5. Review and resolve coding edits such as Correct Coding Initiative (CCI), Medicare Code
Editor (MCE) and Outpatient Code Editor (OCE)
DOMAIN 6. Information and Communication Technologies (1-3%)
Tasks:
1. Use computer to ensure data collection,storage, analysis, and reporting of information.
2. Use common software applications(for example, word processing,spreadsheets, and email) in the execution of work processes
3. Use specialized software in the completion of HIM processes
DOMAIN 7. Privacy, Confidentiality, Legal, and Ethical Issues (2-4%)
Tasks:
1. Apply policies and proceduresfor access and disclosure of personal health information
2. Apply AHIMA Code of Ethics/Standards of Ethical Coding
3. Recognize and report privacy and/or security concerns
4. Protect data integrity and validity using software or hardware technology
DOMAIN 8. Compliance (2-4%)
Tasks:
1. Evaluate the accuracy and completeness of the patient record as defined by organizational policy and external regulations and standards
2. Monitor compliance with organization-wide health record documentation and coding guidelines
3. Recognize and report compliance concerns
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Medical (ICD-10-CM) Exam Questions
Exam InformationAn exam proctor will begin reading exam instructions approximately 15 minutes before the exam start time. Students must be in the exam room with their exam at this time. If taking the exam on a laptop, it must be booted up and have passed the security check. Hand writers must not have a laptop with them in an exam room, unless otherwise allowed according to the professor’s instructions. A student entering the exam room after the proctor begins reading instructions will not receive additional time for booting up their laptop, passing the security check, and/or reading exam instructions. When instructed by the proctor, write your exam number on the cover page of your exam, bluebooks, and any scratch paper you turn in as part of your exam. Handwritten exam answers must be written in blue books in blue or black ink. Number the bluebooks you use (1 of 1, 1 of 2, 2 of 2, etc.). Proctors will allow time to read the professor’s instructions. Other than counting the number of pages of the exam, students are not permitted to turn the page of an exam past the instructions page until the proctor instructs them to do so. When taking a closed-book exam, no books, outlines, book bags, purses, or scratch paper (other than the scratch paper provided) may be at your seat during the exam. These items must be left outside of the exam room or in the front or sides of the exam room. Students may not begin to write anything, including on scratch paper, before the proctor begins a closed-book exam. Students taking in-class exams are prohibited from having any electronic communication device, other than a laptop as allowed per the professor's instructions, during the exam. Cell phones and smart watches must be turned off during the exam and placed in a bag or backpack. Violations of this rule may be considered an Honor Code violation. A clock in each exam room will be the official timekeeper for the exam. Non-alcoholic beverages are permitted in exam rooms; however, the container must have a lid. After the exam instructions have been read and the exam begins, the proctor will remain in the room. Any student who has a question or problem during an exam should see the proctor. Students may use the restroom or take a break during an exam. However, all exam materials must be left in the exam room and no additional time will be given. Students must sign in and out at the front of the room with the proctor. ICD-10 codes needed for loneliness to curb epidemic
Anne Jordan, chief customer officer and cofounder of Pyx Health will speak at AHIP 2023. The COVID-19 pandemic highlighted the mental and behavioral health needs of many Americans, and with social isolation rampant during that time, particular focus was trained on the health effects that can result from prolonged bouts of loneliness. Yet even with this new knowledge, loneliness doesn't have its own ICD code, so being reimbursed for treating it can be a difficult endeavor. According to Pyx Health cofounder and CEO Cindy Jordan, that's a problem. Pyx Health is a healthcare technology company focused on supporting individuals dealing with loneliness through member engagement and screening tools for social determinants of health. AHIP is tackling the issue when Anne Jordan, chief customer officer and cofounder of Pyx Health, and Dr. Pooja Mittal, chief health equity officer at Health Net, speak during AHIP 2023 in the session, "Loneliness: A Driver of Engagement and Predictive Factor in High-Utilization," from 1:25 to 1:40 p.m. Wednesday, June 14, in Theater #1: Booth1137. AHIP 2023 is being held June 13-15 in the Oregon Convention Center in Portland, Oregon. Calling loneliness an epidemic, Jordan said one positive thing emerged from the pandemic: It unlocked funding for a ton of research. That research revealed that one in three adults are chronically lonely, with the most prevalence occuring in the 18-24 age group. "What social media has done to this generation is that connections are a mile wide but an inch deep," said Jordan. "People feel very alone, even though they're surrounded by 7,000 friends." The problem, from a health system and payer perspective, is that feelings of loneliness often drive people to the emergency room – and are a driver for what is considered inappropriate ER utilization. Jordan estimated that about 60% of people utilizing the ER are not there for an appropriate need, and this drives thousands of dollars in Medicare spend for a given year. ICD codes are needed, she said, because it would provide for easier reimbursement. "Also, instead of coming out of the admin budget, I would contract with the payers and do what we do," said Jordan. "When you come out of the admin budget, it comes out that you're a vendor, and the vendor spend is always scrutinized. When you get to ICD-9 and -10 codes, you use evidence-based screenings – which we do in our platforms – do an intervention and then get paid for it. Otherwise you're out there convincing executives, saying, 'I can show you a return if you believe in loneliness and the effect it has on the spend." In the meantime, loneliness can be a pernicious problem for many patients. People on the high end of the loneliness scale – those who feel it acutely – can't simply feel better by getting out more and engaging with the community. Their brain is actively telling them that no one and nothing can help them – not their medicine, their doctors or their family. That means addressing loneliness in any meaningful way requires a specific intervention. And with a lack of coding around loneliness, interventions can be hard to come by. Pyx does its part in that regard, but the lingering issue in the healthcare community is that loneliness is still largely thought of as a symptom of other ailments, not an ailment in and of itself. Lobbying the Centers for Medicare and Medicaid Services to create a new ICD code would be an important step, said Jordan. "CMS has a lot of power here," she said. "If you can convince CMS this is the right thing to do, that would catch on like wildfire." Data may go a long way toward convincing CMS. Pyx's data shows a per member, per month spend ranging from between $350 and $500. Stopping just one unnecessary emergency room visit would yield significant savings, said Jordan. One thing CMS has done is create Z Codes – one of the three primary categories under the ICD-10 guidelines for mental health, which provide descriptions for when the symptoms a patient displays do not point to a specific disorder but still warrant treatment. "The focus is on social determinants of health," said Jordan. "Payers can be reimbursed if they show they've addressed SDOH. When you shake the tree of loneliness, all these other SDOH fall out. You don't have access to your medicine, you don't have enough food, etc. It goes on and on. Loneliness was included in that. This could be the first step in the dabbling of how we reimburse for that." Right now, loneliness is tied up in the Z Codes, which is a bit of a fuzzy area. Payers don't really know how to leverage the codes, said Jordan,which is where the push for ICD designation comes in. But while the reimbursement picture is still blurry for payers and providers, there are things individuals can do to stem the tide. "Engage in the community, even if it feels uncomfortable," said Jordan. "Make a phone call, or engage with your church, or whatever it's going to be. For youth, there isn't a community for them in the same way. But in the end, the most solid, reliable way to move through loneliness is to rely on family, however that's defined for you." Twitter: @JELagasseEmail the writer: Jeff.Lagasse@himssmedia.com Best No Medical Exam Life Insurance of June 2023Our experts answer readers' insurance questions and write unbiased product reviews (here's how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own. Many of the best life insurance companies offer no-exam life insurance, which has the obvious appeal of skipping medical exams. But don't conflate no medical exam with no medical history. Even the most liberal underwriters evaluate risk based on preexisting medical conditions and other known risk factors. So as an applicant, you might answer many of the same questions you would for a standard life insurance policy. Best No Exam Life Insurance Policies of 2023You just don't have to set aside time to check your blood pressure, cholesterol, and other health markers with a licensed medical professional. For older applicants, this could mean skipping more invasive tests like an EKG. We're here to clear up common misconceptions and help consumers find the best no medical exam life insurance options. Compare No Exam Life Insurance PoliciesHaven Life 3.87/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 780 AM Best Financial Strength Rating A++ Haven Life 3.87/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 780 AM Best Financial Strength Rating A++ compare policies and quotes with Haven Life Haven Life compare policies and quotes with Haven Life Details JD Power Customer Satisfaction Rating 780 AM Best Financial Strength Rating A++ Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. High coverage limits Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies are available without a medical exam Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer digital health and wellness apps Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies are underwritten by MassMutualCons Dash icon A dash. It often indicates an interaction to shrink a section. No whole life plans currently available Dash icon A dash. It often indicates an interaction to shrink a section. Plans are only available to applicants 64 and under Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.AARP Life Insurance 4.12/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starAARP Life Insurance 4.12/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starcompare policies and rates with Policygenius AARP Life Insurance compare policies and rates with Policygenius Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. No medical exams required Check mark icon A check mark. It indicates a confirmation of your intended interaction. Specialized life insurance coverage for older adults Check mark icon A check mark. 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Coverage may be based on medical questions and history Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.USAA Life Insurance 4.37/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 881 AM Best Financial Strength Rating A++ USAA Life Insurance 4.37/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 881 AM Best Financial Strength Rating A++ compare policies and rates with Policygenius USAA Life Insurance compare policies and rates with Policygenius Details JD Power Customer Satisfaction Rating 881 AM Best Financial Strength Rating A++ Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing starting with $12/month on some policies Check mark icon A check mark. It indicates a confirmation of your intended interaction. May offer coverage to military members other companies won't cover Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers term and permanent life insurance optionsCons Dash icon A dash. It often indicates an interaction to shrink a section. 2 year waiting period for full benefits on some policies Dash icon A dash. It often indicates an interaction to shrink a section. May focus on death benefits only more than other companies Dash icon A dash. It often indicates an interaction to shrink a section. All permanent policies are underwritten and serviced by other companies, not by USAA Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.More Information Prudential Life Insurance 4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 773 AM Best Financial Strength Rating A+ Prudential Life Insurance 4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 773 AM Best Financial Strength Rating A+ compare policies and rates with Policygenius Prudential Life Insurance compare policies and rates with Policygenius Details JD Power Customer Satisfaction Rating 773 AM Best Financial Strength Rating A+ Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark icon A check mark. 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Limited policy options for seniors and other groups who might struggle to find life insurance Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Ethos Life 4.37/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating Not Rated AM Best Financial Strength Rating A Ethos Life 4.37/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating Not Rated AM Best Financial Strength Rating A compare policies and rates with Policygenius Ethos Life compare policies and rates with Policygenius Details JD Power Customer Satisfaction Rating Not Rated AM Best Financial Strength Rating A Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark icon A check mark. 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Whole life policy limits are lower Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Mutual of Omaha Life Insurance 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 795 AM Best Financial Strength Rating A+ Mutual of Omaha Life Insurance 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 795 AM Best Financial Strength Rating A+ compare policies and rates with Policygenius Mutual of Omaha Life Insurance compare policies and rates with Policygenius Details JD Power Customer Satisfaction Rating 795 AM Best Financial Strength Rating A+ Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark icon A check mark. 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Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.AAA Life Insurance 4.7/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 844 AM Best Financial Strength Rating A AAA Life Insurance 4.7/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starJD Power Customer Satisfaction Rating 844 AM Best Financial Strength Rating A compare policies and rates with Policygenius AAA Life Insurance compare policies and rates with Policygenius Details JD Power Customer Satisfaction Rating 844 AM Best Financial Strength Rating A Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Large life policies available for term customers Check mark icon A check mark. It indicates a confirmation of your intended interaction. Substantial discounts available for AAA members Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong financial ratingSome members may qualify for discounts if combining home and auto policiesCons Dash icon A dash. It often indicates an interaction to shrink a section. Only small whole life policies to cover a maximum of $25,000 Dash icon A dash. It often indicates an interaction to shrink a section. Non-members may not get competitive rates Methodology: How We Chose the Best No Exam Life InsuranceThe coverage and riders offered are vital parts of our evaluation. We also look at the speed of payouts, customer satisfaction, and financial strength ratings. All of these factor into the immediate and long-term performance of the life insurance companies we review. If you're looking for more information about a specific life insurer, our individual reviews offer a deep dive into individual policies, riders, and more. The same considerations are used for all competitors to ensure readers have the edge to make informed decisions in an ever-changing market. See our insurance rating methodology for more details. Why Trust Our Recommendations?Life insurance companies have introduced living benefits/accelerated death benefits and other options to use policies as investment tools. As the name suggests, death benefits do not pay until after the buyer's death. Regardless, Personal Finance Insider knows how important it is to identify the right insurance company for your needs. All insurance reviews and articles are fact-checked, and rates are checked at the time of our review. Our responsibility is to our readers, which means providing the most accurate information to guide you in the right direction. Our editor's ratings are based on insurance guidelines, performance, and more. No Medical Exam Life Insurance FAQsA no medical exam life insurance policy could be right for you if you're able to qualify and don't need special coverage. These policies are the easiest to get for young applicants with no significant health issues. Older applicants can buy with some companies, but acceptance is not guaranteed. No medical exam policies offer less coverage with higher premiums in most cases. If you do not qualify for the no medical exam policy you want, insurance agents can help you explore alternatives. No medical exam means life insurance companies will not check your blood pressure, cholesterol, etc. However, companies have access to prescription history and other personal records, and underwriters base decisions partly on this history. You'll have to decide whether you prefer a whole or term policy based on your situation if you're getting no medical life insurance. A term policy has an expiration date, and extensions or conversions to a whole life policy are not guaranteed. If anything, your rate may be higher if you try to convert your policy. The insurer looks at you just as it would any other applicant of your age, health, etc. A whole life policy locks in premiums and payouts. There are alternatives to a new medical exam life insurance policy. Insurance agents can quote you medical exam policies if you're denied a no medical exam option. An experienced agent may be able to assess your application before starting the process to avoid official denials. If you're concerned about premium limits, you can explore options like IUL (indexed universal life) for permanent life insurance that increases your benefit as long as you make premium payments. A no medical exam life insurance policy may hold a certain appeal for older applicants and those in failing health. However, the life insurance market is the opposite of what you might expect. These policies are best for young people (typically under 50 years old) in good health. The no medical exam process is often more efficient, streamlining your approval, and life insurance companies can only do this with low-risk applicants. If a provider sees red flags that might disqualify you, it won't necessarily prevent you from getting coverage. Instead, the agent would most likely offer to run more conventional life insurance quotes for you. Best No Exam Life Insurance for Online ResourcesHaven Life Haven Life offers term policies for healthy adults with limits as high as $3 million. For those who prefer to avoid a medical exam, the limit is $500,000. The Haven Simple no medical exam policy is available in all states except California, Delaware, South Dakota, North Dakota, and New York. All applications are filed online. Accelerated death benefits are available with this policy if you become disabled, and riders can be added to eliminate future payment obligations if you become disabled. Haven Life exclusively sells online policies with limited payouts. So if you're looking for larger benefits, extensive financial planning, or agent support, it may not meet the mark. However, its quick online application and ease of use has significant appeal for many people. Haven Life Insurance Review Best No Exam Life Insurance for SeniorsAARP AARP caters to senior clients for insurance and many other financial products. Older adults between 50 and 74 may qualify as long as they are AARP members. Term policies are available with limits up to $150,000 in most states. Montana and New York residents may be eligible for up to $100,000. Whole life policy limits max out at $25,000. Whole life policies can be issued without any health exams or medical questions. The term policies, on the other hand, may ask some health questions. AARP Life Insurance Review Best No Exam Life Insurance for Military MembersUSAA Military members and their immediate family members may qualify for competitive banking, insurance, and other financial services through USAA. Pricing is lower, payouts are higher, and customer service is strong. Of course, these services are only available to military and qualifying family members. For the children of a deceased military member to use any USAA products, the military member would need to be signed up before their death. Guaranteed whole life policies are available in 49 states, excluding Montana. USAA life insurance coverage is available from $2,000 to $25,000 with no medical exam or questions. Applicants who want higher coverage limits can explore medical exam policy options with a licensed agent. USAA Life Insurance Review Best No Exam Life Insurance for Higher Policy LimitsPrudential Prudential offers up to $3 million in coverage for term life policies. Adults up to 60 years old are eligible for coverage with a short application involving some medical questions. For younger applicants, conversion options may also be available later to make term policies into whole life policies. However, due to the higher limits, Prudential's application process may also be longer. Prudential Life Insurance Review Best No Exam Life Insurance for a Term PolicyEthos Life One of the benefits of term life insurance is lower premiums for higher coverage. No medical exam life insurance is no exception. Like no medical exam policies, term policies are geared toward younger applicants looking to save money. Ethos Life accepts applicants up to age 65 with a 100% online application process. Limits are as high as $2 million. Ethos Life asks a few basic medical questions, but coverage is effective immediately once approved. In addition, every customer buying policies like this from Ethos Life is eligible for a 30-day look period, which is another way to say you can cancel and get your money back in the first 30 days with no penalties. Ethos Life Insurance Review Best No Exam Life Insurance for Guaranteed AcceptanceMutual of Omaha Mutual of Omaha has high financial stability and customer satisfaction ratings across different types of insurance. Guaranteed life policies are available for adults between the ages of 45 and 85. In New York state, the age range is 50-75. Policies can be as small as $2,000 in most states and as large as $25,000 with no health questions or medical exams. Mutual of Omaha's no medical exam policies have a graded death benefit. If you die within two years of the policy start date, the company will not pay the full policy. Instead, it delivers 110% of the premiums paid. The Mutual of Omaha website boasts same-day payouts on most policies. Policies for children are also available. Mutual of Omaha Life Insurance Review Best No Exam Life Insurance for No Waiting PeriodAAA AAA offers immediate death benefits for qualified applicants between 18 and 75. In other words, once your policy starts, you are eligible for the full policy benefit. Policies are available with limits as low as $25,000 and as high as $500,000. While a medical exam is not required, health questions are. AAA offers term policies with limits as high as $500,000. For a whole life policy, the limit is $25,000. But applicants can add a rider doubling the payout for accidental death coverage. Younger people have no waiting period for benefits. For applicants over age 45, AAA pays out 130% of the premiums paid up to the date of death for the first two years. Particularly when choosing life insurance, customization is critical. Buyers don't need to add every rider, but a little research goes a long way in selecting the right company. Some applicants will not qualify for a no medical exam life insurance policy. A life insurance agent can help you run quotes that make sense for you. Then agents can offer realistic insurance policy options and review the costs and benefits of each. Asking friends and family which insurance agent they use could be your first step to finding the right life policy. Factors like age, medical history, and financial goals play key roles in your decision. So we do not recommend asking loved ones about individual policies. Instead, let a qualified insurance professional find the best policies for you. Lina Roby Insurance Editor, LIA, MLO Lina Roby (she/her) was a Personal Finance Insurance editor at Insider. She covered pet, travel, auto, and other common insurance products. She is also a licensed property & casualty insurance agent. Her goal is to help readers make informed decisions for all their insurance needs and plan for the unexpected, especially in a constantly evolving insurance marketplace. As a licensed insurance agent, she worked closely with clients and insurance carriers to quote and bind homeowners, auto, liability, and other insurance plans for personal and business. As a licensed mortgage loan originator, she was also able to more effectively quote and bind homeowners insurance policies meeting mortgage lender requirements. With a love for writing, she has also assisted with marketing for her local insurance marketplace. Read more Read lessEvelyn He Compliance Associate Evelyn He is a compliance associate at Insider who supports the Personal Finance Insider team. Personal Finance Insider is Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Insider readers already know and love. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Before joining Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries. Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst. Outside of work, she enjoys spending time with her 14-year-old Shih Tzu named Money, and her 4-year-old Bichon named Tibber. Read more Read less |
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