Health and Disability Income Insurance

2. A provision under which an insured pays a certain amount, after which the insurance company pays 100 percent of the remaining expenses.
4. A group of doctors and hospitals that agree to provide health care at rates approved by the insurer.
6. Pays part or all of hospital bills for room, board, and other charges.
7. Provides payments to replace income when an insured person is unable to work.
10. An amount the insured must pay before benefits become payable by the insurance company.
12. An independent membership corporation that provides protection against the cost of hospital care.
13. Prepaid health plans that provide comprehensive health care to members.
14. Hospital expense insurance, surgical expense insurance, and physician expense insurance.
17. A network of selected contracted, participating providers; Also called an HMO-PPO hybrid or Open-ended HMO.

1. Provides benefits for doctors' fees for nonsurgical car, X-rays, and lab tests.
3. A health insurance plan that provides a wide range of health care services for a fixed, prepaid monthly premium.
5. Provides day-in, day-out care for long-term illness or disability.
8. Supplements Medicare by filling the gap between Medicare payments and medical costs not covered by Medicare.
9. A provision under which both the insured and the insurer share the covered losses
11. An independent membership corporation that provides protection against the cost of surgical and medical care.
15. 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.
16. Pays part or all of the surgeon's fees for an operation.