Insurance crossword puzzle

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Across
  1. 3. things not covered by insurance
  2. 6. covered by policy
  3. 9. a contract represented by a policy
  4. 10. the max amount person pays per year
  5. 11. monthly dues
  6. 12. an agreement
  7. 13. co-pay
Down
  1. 1. pre-selected provider; usually less cost
  2. 2. money related
  3. 4. amount due at each service before insurance pays
  4. 5. one who benefits from someone else's financial contract
  5. 7. the amount due before insurance begins
  6. 8. an insurance request for payment
  7. 11. written contract
  8. 14. limits the max amount paid out in a lifetime