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Chapter 23

Health, Disability and Life Ins.

health insurance a form of protection that eases the financial burden people may experience as a result of illness or injury
co-insurance the percentage of medical expenses that the policyholder must pay in addition to the deductible amount
stop-loss provision requiring a policyholder pay all costs up to a certain amount, after which the insurance company pays 10 percent of the remaining expenses covered
co-payment a flat fee that one pays every time one receives a covered service
Blue Cross an insurance company that provides hospital care benefits
Blue Shield an insurance company that provides benefits for surgical and medical services performed by physicians
manage care prepaid health plans that provide comprehensive health care to their members
HMO health maintenance organization a health insurance plan that directly employs or contracts with selected physicians to provide health care services for a fixed prepaid monthly premium
PPO preferred provider organization a group of doctors and hospitals that agree to provide specified medical services to members at prearranged fees
Point-0f-Service plan (POS) health insurance plan that uses network of participating physicians and medical professionals who have contracted to provide services for certain fees.
medicare tax a federally funded health insurance program available mainly to people over 65 and to people with certain disabilities
medicaid a medical assistance program offered to certain low income
disability income insurance insurance that provides a regular cash income when an employee is unable to work due to pregnancy or illness
beneficiary a person named to receive benefits from an insurance policy
term insurance insurance that provides protection against loss of life for only a specified term
whole life insurance a permanent policy for which one pays a specified premium each year for the rest of one's life
cash value in a whole life insurance policy, the accumulated savings to which one is entitled when and if one cancels the policy
endowment life insurance that provides coverage for a specified period of time and pays money to the policyholder if he or she is living at the end of the endowment period
Created by: kshall