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Individual & Family Health Insurance
Medicare Supplements
Dental Insurance
Small Business Health Insurance
Welcome to Healthinz.com

A-B-C-D-E-F-G-H-I-J-K-L-M-N-O-P-Q-R-S-T-U-V-W-X-Y-Z

OPEN ENROLLMENT:
A period each year during which employees have an opportunity to change their employer-provided health care coverage. They usually can choose among various plans from different health insurance providers.

OUT-OF-NETWORK:
Health care services received outside the HMO network.

OUT-OF-PLAN:
This phrase usually refers to physicians, hospitals or other health care providers who are considered non-participants in an insurance plan (usually an HMO or PPO). Depending on an individual’s health insurance plan, expenses incurred by services provided by out-of-plan health professionals may not be covered, or covered at a reduced benefit level.

OUT-OF-POCKET COSTS:
Insured health care costs for which one is responsible, because of the application of deductibles, coinsurance and co-payments

OUT-OF-POCKET MAXIMUM:
Total dollar amount an insured will be required to pay for covered medical services during a specified period, such as one year. The out-of-pocket maximum may also be called the stop-loss limit or catastrophic expense limit.