Across
- 2. a specified amount that the insured must pay for a particular type of service. The co-payment amount generally does not apply to the insured’s stop loss or out-of-pocket maximum. For example, the policy may state that the member has a required $20 co-payment for an office visit.
- 4. for qualified expenses are generally tax free
- 7. organization that utilizes groups of providers that offer services at a negotiated discount rate. Except in emergency situations, higher deductibles and co-insurance amounts generally apply if an out of network provider is used
- 8. the stated benefit level where the insurance policy will indemnify the insured for 100% of eligible expenses
- 10. HMO plans traditionally have this offer the most benefits for non-risk type expenses such as physicals, preventative care, and wellness programs.
- 11. Lower premiums and higher deductible than a traditional plan 2022 as a plan with a deductible of at least $1,400 per person or $2,800 per family
- 14. primary care physician that acts as a this coordinates the insured member’s care when treatment by a specialist is required.
Down
- 1. generally tax deductible
- 3. provides benefits for usual, reasonable, and customary (URC) expenses
- 5. plans are issued by HMO’s to provide low or no deductible and low or no co-insurance requirements if the insured obtains services from an HMO network provider.
- 6. Combines a Hospital Expense Reimbursement Policy and a Major Medical Policy
- 9. Offered only as a group benefit
- 12. account the insured can put money into to help pay for qualified health care expenses
- 13. Contributions are generally tax deductible There is generally not income tax on interest that accumulates on the account