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PF Chapter 14

Personal Finance Chapter 14

QuestionAnswer
Beneficiary A person named to receive the benefits from an insurance policy
Blue Cross An insurance company that provides hospital care benefits
Blue Shield An insurance company that provide benefits for surgical and medical services performed by physicians
Cash Value In a whole life policy, the accumulated savings to which you are entitled when and if you cancel the policy
Coinsurance The percentage of the medical expanses the policyholder must pay in addition to the deductible amount
Co-Payment A flat fee that you pay every time you receive a covered service
Disability Income Insurance Coverage that provides regular cash income when you are unable to work due to a pregnancy, non-work-related accident, or illness
Endowment Life insurance that provides coverage for a specific period of time and pays a sum of money to the policyholder if he or she is living at the end of the endowment period
Health Insurance A form of protection that eases the financial burden people may experience as a result of illness or injury
Health Maintenance Organization (HMO) A health insurance plan that directly employs or contract with selected, or preapproved, physicians and other medical professionals to provide health care services in exchange for a fixed, prepaid monthly premium
Managed Care Prepaid health plans that provide comprehensive health care to their members
Medicaid A medical assistance program offered to certain low-income individuals and families
Medicare A federally funded health insurance program available mainly to people over 665 and to people with certain disabilities
Point-of-Service (POS) Plan A health insurance plan that combines features of both HMOs and PPOs
Preferred Provider Organization (PPO) A group of doctors and hospitals that agree to provide specified medical services to members that prearranged fees
Stop-Loss An insurance policy provision that requires the policyholder to pay all cots up to a certain amount, after which the insurance company pays 100 percent of the remaining expenses covered in the policy
Term Insurance Insurance that provides protection against loss of life for only a specified term or period of time, also called temporary life insurance
Whole Life Insurance A permanent policy for which you pay a specified premium each year for the rest of your life
Created by: jmoyer