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PODCAST

Insurance Exam Prep

Ran Chen, EA, CFP®

Insurance Exam Prep is a daily podcast designed to help future insurance professionals pass their licensing exams with clarity and confidence. Built and operated by OpenExamPrep, this podcast breaks down insurance licensing exams into focused, easy-to-digest episodes covering Life Insurance, Health Insurance, and Property & Casualty, across both the national portion and state-specific requirements. Each episode targets one key concept, common exam trap, or high-frequency test topic—making it

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All Episodes

03:18

[Health Insurance] 53, Group Health Insurance...

Insurance Exam Prep ·

2026/05/19

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The distinction between the master contract held by the employer and the certificate of insurance provided to employees. - Common eligibility requirements for group

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02:59

[Health Insurance] 52, ACA Consumer Protections and...

Insurance Exam Prep ·

2026/05/18

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the ACA's guaranteed issue and renewability rules prohibit insurers from denying coverage based on health status. - Why health plans can no longer impose

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03:01

[Health Insurance] 51, Marketplace and Metal Tier Plans

Insurance Exam Prep ·

2026/05/17

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four metal tier plans (Bronze, Silver, Gold, Platinum) and their specific actuarial values. - Eligibility requirements for Catastrophic health plans. - The 2026

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03:28

[Health Insurance] 50, Essential Health Benefits...

Insurance Exam Prep ·

2026/05/16

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The ten Essential Health Benefits (EHBs) are mandatory for all new individual and small group health plans under the ACA. - EHBs do not automatically apply to large

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03:21

[Health Insurance] 49, Affordable Care Act Overview...

Insurance Exam Prep ·

2026/05/15

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That insurers must offer coverage to all applicants regardless of health status under the guaranteed issue provision. - That premiums can only be rated based on age,

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02:33

[Health Insurance] 48, Workers Compensation and...

Insurance Exam Prep ·

2026/05/14

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - That Workers' Compensation is always the primary payer for work-related injuries and illnesses. - How health insurance policies exclude coverage for occupational

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02:31

[Health Insurance] 47, CHIP and Other Government...

Insurance Exam Prep ·

2026/05/13

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - CHIP provides health coverage for children in families with incomes too high for Medicaid but too low to afford private insurance. - TRICARE For Life is a secondary,

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02:54

[Health Insurance] 46, Medicaid Eligibility and Benefits

Insurance Exam Prep ·

2026/05/12

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - That Medicaid is a means-tested, joint federal-state program for low-income individuals, unlike the federally-run Medicare program. - How to use the mnemonic

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03:12

[Health Insurance] 45, Medicare Enrollment Periods...

Insurance Exam Prep ·

2026/05/11

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The 7-month window for the Initial Enrollment Period and how enrollment timing affects the coverage start date. - The specific dates for the General Enrollment

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03:04

[Health Insurance] 44, Medicare Supplement Medigap...

Insurance Exam Prep ·

2026/05/10

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - That Medigap policies are standardized private plans (A-N) designed to supplement Original Medicare Parts A and B. - The six-month open enrollment period, which

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03:02

[Health Insurance] 43, Medicare Part D Prescription...

Insurance Exam Prep ·

2026/05/09

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The 2026 Medicare Part D out-of-pocket maximum is now capped at $2,100. - The infamous "Donut Hole" or coverage gap has been eliminated under the Inflation Reduction

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02:58

[Health Insurance] 42, Medicare Part C Medicare...

Insurance Exam Prep ·

2026/05/08

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - That Medicare Part C (Advantage) is a private insurance alternative for receiving Part A and B benefits, not an additional layer of coverage. - Advantage plans must

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02:45

[Health Insurance] 41, Medicare Part B Medical Insurance

Insurance Exam Prep ·

2026/05/07

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - Medicare Part B provides coverage for medically necessary outpatient services, physician visits, and durable medical equipment. - The standard Part B monthly premium

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02:41

[Health Insurance] 40, Medicare Part A Hospital...

Insurance Exam Prep ·

2026/05/06

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facilities, home health, and hospice care. - The Part A deductible is applied per

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03:16

[Health Insurance] 39, Medicare Overview and Eligibility

Insurance Exam Prep ·

2026/05/05

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The four main eligibility pathways for Medicare: age 65, receiving SSDI for 24 months, End-Stage Renal Disease (ESRD), and ALS. - The difference between Medicare

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03:54

[Health Insurance] 38, LTC Partnership Programs and...

Insurance Exam Prep ·

2026/05/04

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Partnership for Long-Term Care Programs allow individuals to protect assets from Medicaid spend-down requirements on a dollar-for-dollar basis. - To be

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01:45

[Health Insurance] 37, Tax-Qualified vs...

Insurance Exam Prep ·

2026/05/03

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Tax-Qualified (TQ) LTC policies provide federal tax advantages, including generally tax-free benefits and premiums that are partially deductible based on age. - To

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02:57

[Health Insurance] 36, LTC Elimination Period Benefit...

Insurance Exam Prep ·

2026/05/02

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The LTC elimination period is a time-based deductible, and a longer period will lower the policy's premium. - The benefit period is the maximum duration for which

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03:39

[Health Insurance] 35, Benefit Triggers and...

Insurance Exam Prep ·

2026/05/01

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The two primary triggers for activating benefits in a tax-qualified long-term care policy. - That an insured must be unable to perform exactly two of the six

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03:06

[Health Insurance] 34, Long-Term Care Insurance...

Insurance Exam Prep ·

2026/04/30

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - That standard health insurance and Medicare do not cover long-term custodial care, creating the need for LTC insurance. - The distinction between the three levels of

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