Personal Finance Crossword Puzzle

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Across
  1. 4. A provision under which the insured pays a flat dollar amount each time a covered medical service is received after the deductible has been met.
  2. 8. Pays stipulated daily, weekly, or monthly cash benefits during hospital confinement.
  3. 11. An independent membership corporation that provides protection against the cost of hospital care.
  4. 12. Supplements Medicare by filling the gap between Medicare payments and medical costs not covered by Medicare.
  5. 13. A federal health insurance program for people 65 or older, people of any age with permanent kidney failure, and people with certain disabilities. The program is administered by the Centers for Medicare and Medicaid Services.
  6. 26. A provision that allows the insured not to forfeit all accrued benefits.
  7. 27. A group of doctors and hospitals that agree to provide health care at rates approved by the insurer.
  8. 29. Pays part or all of hospital bills for room, board, and other charges.
  9. 30. A contract that provides a regular income, typically for as long as the person lives.
  10. 31. Provides benefits for doctors’ fees for nonsurgical care, x-rays, and lab tests.
Down
  1. 1. The amount received after giving up a life insurance policy.
  2. 2. A type of major medical insurance that has a very low deductible and is offered without a separate basic plan.
  3. 3. A provision stating that the insurer cannot dispute the validity of a policy after a specified period.
  4. 5. A person designated to receive something, such as life insurance proceeds, from the insured.
  5. 6. Combination of hospital expense insurance, surgical expense insurance, and physician expense insurance.
  6. 7. A program of medical assistance to low-income individuals and families.
  7. 9. Prepaid health plans that provide comprehensive health care to members.
  8. 10. A network of selected contracted, participating providers; also called an HMO-PPO hybrid or open-ended HMO.
  9. 14. A network that renders medical care from affiliated health care providers.
  10. 15. A method of integrating the benefits payable under more than one health insurance plan.
  11. 16. Pays for the cost of day-in, day-out care for long-term illness or disability.
  12. 17. A method of evaluating the cost of life insurance by taking into account the time value of money.
  13. 18. A health insurance plan that provides a wide range of health care services for a fixed, prepaid monthly premium.
  14. 19. Provides payments to replace income when an insured person is unable to work.
  15. 20. A life insurance agent who has passed a series of college-level examinations on insurance and related subjects.
  16. 21. A risk in which there is a chance of either loss or gain.
  17. 22. A benefit under which the company pays twice the face value of the policy if the insured’s death results from an accident.
  18. 23. A situation in which a person is held legally responsible for the actions of another person.
  19. 24. An independent membership corporation that provides protection against the cost of surgical and medical care.
  20. 25. Life insurance that does not provide policy dividends; also called a nonpar policy.
  21. 28. A provision under which both the insured and the insurer share the covered losses.