Key Insurance Terms

An insured's spouse, domestic partner, or child who is covered by the insured's policy

Process of obtaining approval prior to a planned admission

Prior written approval for services to determine services are medically necessary

A fixed amount outlined in the policy that you pay each time a covered service is provided.

Most you will pay for covered services in a policy period before the insurance company kicks in

Percentage of costs of a covered health care service you pay once your deductible is met

Process applied when individuals have two or more existing policies to ensure correct payment

Dollar amount paid to the health insurance company each month

Distinct member who is the primary insured/policy holder

An extension of insurance coverage offered to individuals no longer covered by a group plan