A new health reform law passed in 2010 aimed at changing America's health care system to improve access and affordability for more Americans.
The amount of eligible expenses you are required to pay annually before reimbursement by your health plan begins.
A cap on the benefits your insurance company will pay in a year while you're enrolled in a particular health insurance plan. Limits may be placed on particular services or on the dollar amount of covered services. After an annual limit is reached, you must pay all associated health care costs for the rest of the year.
The maximum amount per year you are required to pay out of your own pocket for covered health care services.
The health care items or services covered by an insurance plan, sometimes called a "benefit package."
A catastrophic health insurance plan has a lower premium than other health plans, but has a high deductible. It usually doesn't provide coverage for a lot of services that other plans typically cover. It is designed to provide a kind of "safety net" coverage in case you have an accident or serious illness. The Health Insurance Exchange will offer a catastrophic health plan option for people under 30 and to some low-income people. The catastrophic plan on the Exchange will cover three annual primary care visits and preventive services at no cost. After the deductible is met, it will then cover the same set of essential health benefits that other plans offer.
An itemized bill for services that have been provided to a plan member, spouse or dependent.
Your share of the costs of a covered health care service — usually a percentage of an eligible expense. For example, you may pay 20% of an allowed service while your health insurance plan pays 80%. Generally, your coinsurance applies after you meet your deductible.
A fixed dollar amount you are required to pay for a covered service at the time you receive care.
Federal funds available for eligible people to help reduce health insurance out-of-pocket costs such as deductibles, coinsurance or copayments.
The person in whose name a health care policy is issued (the member) and — under family coverage — the member's dependents.
A service that is covered according to the terms of your health insurance policy.
A fixed amount of expenses you are required to pay before you are reimbursed for a covered service. For example, if your deductible is $1,000, your plan won't pay anything for some services until you've met your $1,000 deductible.
A person (generally a spouse or child), other than the member who receives health care coverage under the member's policy.
A list of commonly prescribed drugs. Not all drugs in an insurance plan's prescription drug list are automatically covered under that plan.
The date your health care coverage begins.
Services provided for outpatient treatment of a sudden onset medical condition, usually in a hospital.
Starting in 2014, if an employer with at least 50 full-time employees doesn't provide affordable health insurance and an employee uses a tax credit to help pay for insurance through a health insurance exchange, the employer must pay a fee to help cover the cost of tax credits.
Beginning in 2014, most insurance plans you can choose from will include coverage for certain benefits considered "essential" for basic good health. These benefits will be covered whether you go through the health insurance exchange or go directly to the insurance company of your choice.
Specific medical conditions or circumstances that are not covered under a health plan. In 2014, certain exclusions go away for most insurance plans. These include your age, gender or pre-existing health problems.
The form sent to you after a claim has been processed by your health care provider. The EOB explains the actions taken on the claim, including the amount paid, the benefit available and the amount you may owe the provider, and other information, such as how to appeal a claim decision.
Health care coverage for a member and his/her eligible dependents.
A level of income used by the U.S. Department of Health and Human Services to determine eligibility for certain programs and benefits. FPL is one factor that will be used to determine the amount of tax credits you may qualify for to help with the cost of buying health insurance through the Health Insurance Exchange.
A health plan that was in place when the new health care law was signed into law on March 23, 2010. A grandfathered plan is exempt from some requirements of the new law.
A group of people covered under the same health care policy through the same employer.
The Affordable Care Act says that insurers must allow you to enroll in some form of insurance regardless of health status, age, gender or other factors.
The new government service where you can shop for, compare and buy health insurance as of October 1, 2013. The Exchange can be accessed via a website or with a phone call. Insurance plans are offered at various coverage and price levels.
These government-offered health plans provide coverage for people with serious health conditions. They are a temporary bridge until the Affordable Care Act's preexisting condition requirements go into effect. That provision says that all people can get health insurance coverage regardless of their health conditions.
Health care coverage for an individual with no covered dependents.
Covered services provided or ordered by your primary care physician (PCP) or another provider who is in the specific network of providers that your health plan has contracted with.
Starting in 2014, the law requires most Americans and legal residents to get and maintain health care insurance. You must be enrolled in a health insurance plan that meets basic minimum standards. If you're not, you may be required to pay a penalty on your annual income tax return. You may not have to pay that penalty if you have very low income or for other reasons, including religious beliefs.
Services provided when a member/subscriber is admitted into in a health care facility such as a hospital.
The person a contract holder (an employer or insurer) has agreed to provide coverage for, often referred to as a member/subscriber.
A cap on the total lifetime benefits you may get from your insurance plan, either on all coverage or for a certain condition. Beginning in January 2014, lifetime limits will no longer be allowed in most cases.
A joint federally and state-funded program that provides health care coverage for low-income children and families, and for certain older or disabled people. A provision of the law significantly expands the program in the states that agree to the expansion.
A federal program established to provide health care coverage for eligible senior citizens and certain disabled people under age 65.
The person a contract holder (generally an employer) has agreed to provide coverage for, sometimes referred to as the insured or insured person/subscriber.
The doctors, hospitals and other health care providers that an insurance plan has contracted with to deliver health care services to its members/subscribers.
The period when you make changes to your health plan coverage or choose a new health plan. They usually occur once a year. The first open enrollment period for purchasing insurance on the health insurance exchange began October 1, 2013, and goes through March 31, 2014. The next opportunity to enroll will be a year later.
Services provided by health care professionals or at facilities that are not in the network of contracted providers and facilities in your health plan.
The maximum amount you have to pay for expenses under your health plan during a certain benefit period.
Treatment provided to a patient who is able to return home after care without an overnight stay in a hospital or other inpatient facility.
The process by which members or their primary care physicians (PCP) notify the health plan, in advance, of plans for treatment such as a hospital admission or a complex diagnostic test.
A condition, disability or illness that you have been treated for before applying for new health coverage.
The ongoing amount that must be paid for your health insurance or plan. You and/or your employer pay it monthly, quarterly or yearly. The premium may not be the only amount you pay for coverage. Typically, you will also have a coinsurance, copayment and/or deductible amount.
Routine health care that includes screenings, check-ups and patient counseling to prevent or detect illnesses, disease or other health problems.
The physician you choose to be your primary source for medical care and who coordinates all your medical care, including hospital admissions and referrals to specialists. Not all plans require a PCP.
A licensed health care facility, program, agency, doctor or health professional that delivers health care services.
An insurance plan that is certified by the Exchange, provides essential health benefits, follows established limits on cost-sharing (deductibles, copayments, and out-of-pocket amounts) and meets other requirements.
To help people afford health insurance, those eligible will receive tax credits to help with insurance costs when they enroll on the Health Insurance Exchange. These credits are also known as premium tax credits, and will make it easier for millions of low- and middle-class Americans to pay for health insurance.
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