Across
- 2. a government health insurance program that covers basic care for lower-income people.
- 4. it’s important to know whether the doctor, hospital or pharmacy you go to is in-___ or out-of-___, because it could make a big difference in how much you pay.
- 6. this type of life insurance is short-term (often 10, 20 or 30 years.
- 7. if you file a ____ for repair to your car, the deductible amount in your policy will be applied to the cost of the repair before your insurance company pays.
- 8. when you have health insurance, this is the fee you pay when you go to the doctor or pick up your medication at the pharmacy.
- 10. these insurance company employees are responsible for analyzing your answers to questions about your age, how often you drive, your marital status, past traffic tickets and accidents, etc., in order to determine whether you are eligible for auto insurance.
- 13. the fee you pay, usually every month, for insurance protection
- 15. a government program that provides health insurance to adults over the age of 65.
- 16. dental and ___ care often require their own insurance plans—they are not covered under regular health insurance.
- 17. if you have an hmo, you will need a ___ from your primary care physician to see a specialist like an allergist or a dermatologist
- 21. the “m” in “hmo” stands for ___.
- 22. this type of insurance helps replace a large portion of your income if you get injured or disabled and can no longer work.
- 23. if you don’t have this kind of insurance, you will have to pay all your medical costs out of pocket.
- 24. this kind of insurance is a lot like homeowners insurance, but it does not cover anything that happens to the dwelling itself, because the landlord’s insurance covers that.
- 27. this type of auto insurance covers things like theft or vandalism or a tree falling on your car.
- 29. in health care, out-of-____ expenses are what you have to pay yourself in a year, including your deductible, copays, and coinsurance, before your insurance covers 100% of costs.
- 31. the out-of-pocket ___ is the most you will have to pay in a year for health care, when you have health insurance.
- 32. this type of auto insurance covers you if you are in an accident with someone who does not have insurance.
- 33. the amount you agree to pay before your insurance kicks in, when you file a claim. this is what you pay before the insurance company begins paying for your losses.
- 34. billing ___ can be useful when you’re trying to find a good price on a medical test or procedure, because all medical offices must use the same ones, and that lets you compare prices.
- 36. a health insurance ___ is a federal- or state- government run website with all the individual health insurance plans available in any given state.
Down
- 1. this type of physician is who you would go to for common illnesses, annual checkups, etc (two words).
- 3. this may be used to determine how much you pay for insurance: the better it is, the less you pay (two words)
- 5. this type of auto insurance pays when your car is damaged in an accident
- 9. generally speaking, this whole system works by having people pay into a big fund, and when anyone who has paid into the fund experiences a loss, they get paid from this fund.
- 11. the “p” in “ppo” stands for ___.
- 12. this type of auto insurance is required by almost every state. it covers you if you cause bodily injury to another person.
- 14. renters insurance can include this kind of coverage, which you might need if your dog bites someone or someone slips on the kitchen floor in your apartment.
- 18. your policy ____ is the maximum amount that insurance will pay if you file a claim.
- 19. this type of medication usually costs less than name-brand medications.
- 20. a ___-advantaged medical savings account (like an fsa or hsa) helps you save money by letting you use pre-tax dollars to pay for medical care.
- 23. when giving mortgage loans, banks require people who are buying a house to purchase this kind of insurance.
- 25. this type of health organization will not pay at all for doctors who are out-of-network.
- 26. this type of life insurance costs more, but builds cash value that you can access at any time.
- 28. it is important for insurance companies to have a large risk ___ of people paying premiums, because that money will cover the costs for emergencies of the few who might need the help.
- 29. this type of health care organization will pay some of the cost of out-of-network doctors, but will pay more of the cost of in-network doctors.
- 30. you may receive a ___ on your premiums if you buy several types of insurance from the same insurance company.
- 35. this insurance company employee is responsible for determining how much to charge in premiums for various types of insurance.