Health Insurance

Front 1

Surgical

Back 1

this type of insurance pays all or part of the surgeon's fees for an operation. The policy usually lists the type of surgeries covered and the maximum amount. The higher the coverage the higher the premium.

Front 2

Physician

Back 2

this type of insurance helps pay for physician's care that is not surgical. Like the visit to Dr. Gordon. It also covers fees for nonsurgical care, X-rays, and lab tests like your MRI on you knee. Again the policy will tell you what is and is not covered. The higher the coverage the higher the premium.

Front 3

Hospital expenses

Back 3

this type of insurance pays part or the full amount of hospital bills for room, board, and other charges. Usually a maximum amount is allowed for each day you stay in the hospital. The higher the coverage the higher the premium.

Front 4

Basic Health Insurance Coverage

Back 4

the combination of hospital, surgical and physician insurance coverage.

Front 5

Major medical

Back 5

this type of insurance protests against the large expenses of a "serious" injury or a long illness. It adds to the protection of basic health insurance coverage. It pays the bulk of additional costs-it can go as high as 1 million $ or more.

Front 6

Coordination of Benefits

Back 6

also known as COB a method of integrating the benefits payable under more than one health insurance plan. You might have insurance through work-this is known as a group policy-but you might want more coverage or additional coverage so you buy another policy to cover what's missing

Front 7

Deductible

Back 7

an amount the insured must pay before the benefits become payable by the insurance company.

Front 8

HMO

Back 8

health maintenance organization- a health insurance plan that provides a wide range of health care services for a fixed, prepaid monthly premium

Front 9

Medicaid

Back 9

this is a program of medical assistance to certain low-income individuals and families as a function of Title XIX of the Social Security Act administered by each state. It is financed by both the federal and state government.

Front 10

Disability Insurance

Back 10

this type on insurance provides payments to replace income when an insured person is unable to work.

Front 11

Worker's Compensation

Back 11

this is a benefit that is available if you accident or illness occurred at your place of work or resulted from your type of employment. Like Social Security benefits, these benefits are determined by your earnings and work history.