Student Produced Definitions
Quiz yourself by thinking what should be in
each of the black spaces below before clicking
on it to display the answer.
Help!
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| Affordable Care Act | Landmark health reform legislation passes by the 111th Congress and signed into law by President Obama
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| Beneficiary | Enrolled in a health insurance plan and receives benefits through those policies.
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| Benefit | Amount pay paid to you by insurance company when insured suffers a loss.
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| Brand-name drug | Prescription drugs marketed with a trademarked name.
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| Carrier | Insurance company offering a health care plan.
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| Claim | A request a person makes to an insurance company to pay for services obtained from a health care professional.
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| COBRA | Legislation that allows you to continue your healthcare plan through a former employer for up to 18 months after you leave that job. You pay for all costs.
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| Coinsurance | Both you and the insurance company pay part of the cost of medical services you receive.
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| Copayment | A predetermined amount you pay every time you visit a health care provider.
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| Deductible | The amount a person pays for health care before the insurance company covers the rest.
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| Dependent | A person who relies on a policy holder for health insurance coverage.
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| Effective date | The date your insurance coverage kicks in.
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| Employer-sponsored health insurance | Your place of employment buys all or part of your health insurance.
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| Employer-sponsored health plans | Your employers covers your health care costs out of a pool of money it sets aside to pay for health care costs. It doesn't buy policies.
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| Exclusion | A provision on a health care insurance policy that gets rid of coverage for certain acts, property, types of damage or locations.
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| Generic drug | Once a prescription drug's brand name expires, other companies can sell it using the chemical name.
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| Group health insurance | All people in the group pay in. Healthy people that do not use the insurance helps to pay the costs of people who do use healthcare services.
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| Guaranteed issue | Health insurance that covers people no matter the health issue. As long as the premium is paid, coverage continues.
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| HMO | Equal monthly fees no matter how many times you visit.
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| In-network | You can take advantage of a discounted cost by using healthcare providers that have signed an agreement with your health insurance company.
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| Limitations | A maximum amount paid by the insurance company for a specif service.
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| Long-term disability insurance | Pays you a part of your monthly earnings if you can no longer work due to a medical condition.
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| Managed care | A health care system that attempts to control both the quality and cost of medical services.
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| Medicaid | Health Insurance for the poor.
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| Medical Underwriting | A process used to evaluate whether or not to accept an applicant for health coverage for a certain premium rate.
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| Medicare | Health insurance for senior citizens and disabled people.
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| Network | A group of healthcare provide that provide services at a lower price.
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| Out-of-pocket maximum | The most you'll have to pay per year.
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| Outpatient | A person who gets medical services without spending a night in the hospital.
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| Pre-existing condition | A health issue you had prior to buying a health insurance policy.
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| Primary care provider | Your doctor. They refer you to specialists.
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| Private health insurance | When you buy your own health insurance directly from an insurance company.
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| Provider | Healthcare professionals who help you out with health issues.
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| Rescission | An insurance company issues you a policy, then revokes it because you did not tell the truth on the insurance application.
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| Rider | A modification to a health insurance policy.
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| Second opinion | Medical opinion by a different doctor as to whether or not you need a certain procedure.
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| Short-term disability | Getting paid when your not working to to an injury or condition that is quickly resolved.
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| Single-payer system | One insurance company for everyone.
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| Socialized medicine | The Government controls the health insurance industry.
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| Student health insurance | School sponsored health care plans.
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| Underwriter | The insurance company accepts you and agrees to pay your health care costs as outlined in the insurance policy.
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| Waiting period | A period of time where you cannot use your insurance.
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Created by:
dlemay
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