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Health Insur. Basics

TN Accident & Health (Health Insurance Basics)

TermDefinition
Indemnity Contracts Medical expense insurance policies are......
Reimbursement What does Indemnity mean?
DEATH Life insurance insures against what ONE risk?
Disability Income Policy Providing income replacement when the insured can NOT work because of a disability.....
Medical Expense Policy Covering the cost of medical care and medical services...
Accidental Death & Dismemberment (AD&D) Policy Providing a benefit if the insured dies or is severely injured because of an accident...
Medical Supplement Policy Offering private insurance coverage that supplements Medicare coverage....
Long-Term Care Policy Covering the cost of sustained, long-term care provided in a nursing home, at home, or through extended health care agencies or facilities...
Limited Benefit Policy Covering specific conditions or providing benefits for specific health services.
Limited Benefit Policies Accident-Only, Dental, Vision, Prescription Drug Plans, Supplemental, etc. are all examples of....
Medicare A federal government program that provides hospital and medical insurance to people age 65 and older...
Medicaid State public assistance program (with some federal support) that provides health care benefits for the poor of any age
Social Security Provides disability income to people under age 65 who become totally disabled...
Workers Compensation Provides benefits to workers who become sick or injured because of a job related event...
Group Plan Commonly offered through employers or associations
State Level Health insurance is regulated primarily at what level?
2010 When was the Patient Protection and Affordable Care Act (PPACA) signed into law?
Bronze Plan, Silver Plan, Gold Plan, and Platinum Plan What are the 4 Metal levels that PPACA requires that health insurers offer?
Bronze Plan Required to have an actuarial value of 60%, with insureds paying 40%
Silver Plan Required to have an actuarial value of 70%, with insureds paying 30%
Gold Plan Required to have an actuarial value of 80%, with insureds paying 20%
Platinum Plan Required to have an actuarial value of 90%, with insureds paying 10%
January 1, 2014 No health insurance plan (group or individual) may exclude coverage of pre-existing conditions for any adult applicant or dependent, as of...
Binding Receipt Immediately binds the insurer to all of the policy's terms during the underwriting process, beginning when the application is signed. (More common with life insurance policies)
Conditional Receipt
Created by: Tiphanie_Dyme
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