Across
- 3. A written contract stating the arrangement between insured and insurer
- 5. A doctor who provides general medical care and coordinates other health care.
- 7. Provides compensation for losses due to injury, illness, or disability
- 8. An illness or injury that leaves a person unable to work
- 10. coverage for entire life but premiums are higher than whole life because premiums are paid for a set number of years or until a set age
- 13. A limit on the number of days one’s care will be covered, or the highest amount that can be paid in benefits for a specific procedure
- 15. Health savings account---you contribute pre-tax dollars to the account for expected medical expenses for the coming year-often set up through your employer-submit claims and receipts for reimbursement up to amount deposited.
- 17. An illness or injury that a person has at the time he/she enrolls in a health care plan
- 19. The amount of money a whole life policyholder would receive if the policy were surrendered before death or maturity.
- 20. Pays for care when a person with a serious illness or injury cannot care for themselves for an extended period of time
- 21. May be purchased by Medicare recipients to cover part/all expenses not covered by Medicare.
- 23. Point of service---members use a primary physician who refers them as needed to participating specialists or members can see non-participating specialist members. But, members pay more to use non-participating health providers.
- 25. the insured person can change the policy from convertible to permanent without taking a physical, tends to be more expensive
- 27. the insured person can renew the policy without taking a physical
- 30. (also called cash value life insurance) provides coverage the person’s entire life and includes an investment component
- 31. A plan in which an insured can select his/her own doctors and hospitals, pay costs at time of visit, and file form with insurance company for reimbursement of covered expenses
- 34. Pay a large part of hospital and medical care, may also pay part of some other expenses (e.g. doctor’s visits)
- 36. Potential risks and losses against which an insured is protected by a policy
- 37. A medical service that is not covered
- 38. A consumer who has purchased an insurance policy
- 40. The amount of money payable to a beneficiary as a death benefit when an insured dies
- 41. A federal law that someone who leaves employment may be eligible to keep insurance coverage at his/her own expense up to six months.
Down
- 1. A group or individual selected to receive the assets of a person when he/she dies
- 2. allows adjustments of premium, face value, and level of protection
- 4. A time period during which a person can enroll in a health care plan
- 6. A type of insurance that provides coverage for a specific period of time with no investment benefits
- 9. Requirement to obtain approval from the plan before having certain treatments or procedures done
- 11. An arrangement in which an insured pays money to an insurer to gain protection against risks and compensation for losses
- 12. premiums and death benefits stay the same for the life of the policy
- 14. Assets or gain received by having an insurance policy
- 16. Employers are required to have in every state in some form. Covers medical care, treatment, rehabilitation, and a portion of wages from injuries that occur in the workplace.
- 17. Preferred providers organization---an agreement between health providers with empoloyers or insurers to provide services at a reduced rate to employees.
- 18. Uncertain, unpredictable factors that can lead to losses or damages
- 21. Pays for long-term illness expenses after basic medical benefits limits have been reached (e.g. cancer).
- 22. premiums stay the same but the benefits decrease over the life of the policy e.g. for home mortgage
- 24. Health management organizaiton---a health care group that provides health care services to members for a set fee and a small co-pay.
- 26. The length of time it takes an insurance policy to reach it full value
- 28. a type of insurance that provides coverage for a whole lifetime and grows in face value as premiums and cash accumulate.
- 29. A patient’s right to restart coverage annually
- 32. premiums are fixed, but face amount varies with investment results
- 33. A fee paid to an insurance company on a regular basis for coverage
- 35. An initial amount paid by insured for a loss before insurance compensations begin
- 39. Childrens Health Insurance Program - health insurance for children under 18 whose parents earn too much to qualify for Medicaid, but not enough to afford private insurance.