Affordable Term Life, Health and Long Term Care Insurance - Cincinnati, Ohio

<a href="../AboutUs/AboutUs.aspx?IsFramed=True">About Us</a><br> <a href="../AboutUs/ContactUs.aspx?IsFramed=True">Contact Us</a><br> <a href="../AboutUs/HowItWorks.aspx?IsFramed=True">How it Works</a><br> <a href="ContactUs.aspx?IsFramed=True">Health Insurance Contact</a><br> <a href="Default.aspx?IsFramed=True">Health Insurance</a><br> <a href="Glossary.aspx?IsFramed=True">Health Insurance Glossary</a><br> <a href="../LifeInsurance/Calculator.aspx?IsFramed=True">Life Insurance Calculator</a><br> <a href="../LifeInsurance/Default.aspx?IsFramed=True">Life Insurance</a><br> <a href="../LifeInsurance/Glossary.aspx?IsFramed=True">Life Insurance Glossary</a><br> <a href="../LifeInsurance/Quotes.aspx?IsFramed=True">Life Insurance Quotes</a><br> <a href="../LongTermCare/ContactUs.aspx?IsFramed=True">Long Term Care Contact</a><br> <a href="../LongTermCare/Default.aspx?IsFramed=True">Long Term Care</a><br> <a href="../LongTermCare/Glossary.aspx?IsFramed=True">Long Term Care Glossary</a><br> <p><span class="Heading1a">Health Insurance</span><span class="Heading1b">Definitions</span></p> <p> <span class="Heading3a">Assignment of Benefits</span><br> A member signs a form to give the insurance company permission to directly pay the provider. </p> <p> <span class="Heading3a">Claim</span><br> A request for payment by a medical provider for a service rendered. </p> <p> <span class="Heading3a">COBRA</span><br> Allows an individual to remain on the group plan of their past employer (A group of 20 or more) for a period of time. </p> <p> <span class="Heading3a">Conversion Plan</span><br> When an individual changes from a group plan to an individual plan. </p> <p> <span class="Heading3a">Co- payment</span><br> A form of medical cost sharing that requires an insured to pay a fixed dollar amount when medical services are received. </p> <p> <span class="Heading3a">Covered Expenses</span><br> Services that the insurance company agrees to pay for. </p> <p> <span class="Heading3a">Deductible</span><br> A fixed dollar amount that the member pays before the insurance company starts paying for medical expenses. </p> <p> <span class="Heading3a">Exclusion</span><br> Medical services that are not covered by an insurance plan. </p> <p> <span class="Heading3a">Maximum out-of-pocket expense</span><br> The maximum dollar amount a member is required to pay out of pocket during a year. </p> <p> <span class="Heading3a">Medically Necessity</span><br> Services or products that are needed to for the diagnosis, care, or treatment of a medical condition. </p> <p> <span class="Heading3a">Maximum Out of Pocket Expense</span><br> The maximum amount of money that a member has to pay in a given year for deductibles and co-insurance. </p> <p> <span class="Heading3a">Participating Provider</span><br> A physician or other medical provider that has agreed to accept a set fee for the services provided to the member of a specific plan. </p> <p> <span class="Heading3a">Pre-Existing</span><br> A medical condition diagnosed prior to the effective date of the health plan. </p> <p> <span class="Heading3a">Waiting Period</span><br> The time that is required to wait before a member is eligible for coverage. </p>