A dependent of a covered person (spouse, child, or other dependent) who meets all requirements specified in the contract to qualify for coverage and for who premium payment is made.
EMPLOYEE ASSISTANCE PROGRAMS (EAPS):
Mental health counseling services that are sometimes offered by insurance companies or employers. Typically, individuals or employers do not have to directly pay for services provided through an employee assistance program.
The person who is the primary insured. Under an individual or family policy, this person is the applicant. Under an employer-sponsored group health policy, this person is the employ.
EVIDENCE OF INSURABILITY:
Proof of physical condition. This may be provided through physician records or by the results of an examination.
EXCLUSIONS AND LIMITATIONS:
Medical services that are either not covered or limited in benefit by a health insurance insurance policy.
A period of time when an insurance company can delay coverage of a pre-existing condition. Sometimes this is called a pre-existing condition waiting period.