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Definitions to Help You Make Your Choices

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Fully Insured Group Medical

  • The employer pays a per-employee premium to an insurance company and the insurance company assumes the risk of providing health coverage for insured events.

 

Self-Funded Group Medical

  • A type of job-based health insurance coverage, where the employer pays the claims with its own funds.

 

Individual Medical and Dental Coverage

  • Individual medical and dental insurance policies are not tied to workplace benefits. Although they are called "individual" plans they can cover you, your spouse and your children.

 

Health Savings Account Plans

  • A tax advantaged medical savings account available to taxpayers in the US who are enrolled in a high deductible health plan.


HRA's

  • A tax advantaged benefit that allows both employees and employers to save on the cost of healthcare. They are employer funded medical reimbursement plans.


Dental

  • Regular dental exams are an important part of preventive healthcare.


Group Term Life

  • Low cost, provides death protection

Voluntary Life

  • Employees have the freedom to select adequate levels of life insurance coverage to protect the well-being of their families.


Short Term Dissability (STD)

  • Replaces income lost when an insured becomes disabled and is unable to work.


Long Term Dissability (LTD)

  • Provides disability benefits for a longer period of time.


Long Term Care

  • Insurance for lengthy medical care; Insurance that pays for medical care in the event of a lengthy disability.


Vision

  • Insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists.


Gap Coverage

  • Plans designed to help employers reduce the cost of their major medical coverage.


Cancer Plans

  • Cancer plans pay specific benefits for cancer diagnosis and treatment.


Accident Plans

  • Designed to supplement your employer-sponsored insurance coverage, accident insurance pays specific benefit amounts for covered accidents


Pre-Paid Legal

  • Individual or group employee benefit legal plan in which a member pays a monthly fee in exchange for access to a range of legal services on call.