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Health Insurance Guide
Glossary Of Terms
Coinsurance: The amount you are required to pay for medical care in a fee-for-service plan after you have met your deductible.
Coordination of Benefits: A system to eliminate duplication of benefits when you are covered under more than one group plan.
Co-payment: Another way of sharing medical costs.
Covered Expenses: Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services.
Deductible: The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
Exclusions: Specific conditions or circumstances for which the policy will not provide benefits.
HMO (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors' visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy.
Managed Care: Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
Maximum Out-of-Pocket: The most money you will be required pay a year for deductibles and coinsurance.
Non-cancellable Policy: A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
PPO (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO.
Pre-existing Condition: A health problem that existed before the date your insurance became effective.
Premium: The amount you or your employer pays in exchange for insurance coverage.
Primary Care Physician: Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist.
Provider: Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
Third-Party Payer: Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
Find out more about health insurance in Your Guide To Good Health Insurance.
Health Insurance Plans
Complete Health Discount Plan
Benefits include savings on physician care, prescriptions, dental and vision, chiropractic, diabetic supplies and much more. Additionally, a single membership covers an entire family.
Aetna Dental Discount Plan
This discount dental program offers discounted fees for services performed by dental providers in the network. Members can receive the necessary dental care to keep good oral health while paying reduced fees.
Prescription Drug Plan
The Outlook Prescription Drug Plan includes two avenues for members to receive prescription savings. Each member has access to the largest retail pharmacy chain in the nation, plus members have access to the largest mail order pharmacy
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