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annual out-of-pocket maximum — The maximum amount, per year, you are required to pay out of your own pocket for covered health care services after the deductible is met.
claim — An itemized bill for services that have been provided to a subscriber, a subscriber's spouse or dependents.
copayment — A fixed dollar amount you are required to pay for covered services at the time you receive care.
covered service — A service which is covered according to the terms in your health care benefits plan.
dependent — An eligible person, other than the member (generally a spouse or child), who has health care benefits under the member's policy.
Health Insurance Portability and Accountability Act (HIPAA) — A federal law that outlines the rules and requirements employer-sponsored group insurance plans, insurance companies and managed care organizations must follow to provide health care insurance coverage for individuals and groups.
Health Risk Assessment (HRA) — An assessment of a health care plan member's health status by considering that person's family health history and health-related behaviors to predict the member's likelihood of experiencing certain health issues.
individual coverage — Health care coverage for an individual with no covered dependents.
inpatient services — Services provided when a member is registered as a bed patient and is treated as such in a health facility such as a hospital.
maximum annual benefit — The maximum dollar amount your health care plan will pay for health care services provided to you during one year.
member ID — A unique number that identifies you as a member of a health care plan (also known as an ID number or subscriber ID).
network — The group of doctors, hospitals and other medical care professionals that a managed care plan has contracted with to deliver medical services to its members.
out-of-pocket maximum — The maximum amount you must pay for expenses covered under your health care plan, after any deductible is met, during a defined benefit period.
outpatient services — Treatment that is provided to a patient who can return home after care without an overnight stay in a hospital or other inpatient facility.
pre-existing condition — A health condition for which an individual received medical care during a specified period immediately prior to the effective date of coverage.