Health Insurance

4. employer will pay part of out of network costs, no referrals
6. A list of prescription drugs covered by a prescription drug plan
7. A medical condition that exists prior to the date that new health coverage starts
10. Time period when you can sign up for benefits
12. the price you pay the insurance company for health coverage

1. the amount you owe each time your receive certain types of medical care
2. what you pay annually before your insurance company pays its share
3. the most you will pay out of pocket for deductible, copay and coinsurance
5. more flexibility in provider choice, referrals required
8. a way for insurance companies to manage what they pay for health care services
9. percentage you'll pay AFTER you've met deductible
11. plan that gives you the least amount of flexibility