| Copay |
A set amount you pay when you receive health care services.
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| Co-insurance |
This is your portion of cost for covered health care services after you have paid your deductible.
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| Deductible |
The amount of money you will pay for health care services before your health care insurance begins to
pay.
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| Evacuation |
This coverage will help arrange for you to return home if an injury or serious illness occurs and you
cannot return to your country on your own.
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| Out of network |
This means your insurance company does not have a contract for reduced prices with a doctor or other
health care provider. If you go to an out of network provider, your insurance will cover less and you will
have to pay more.
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| Out-of-Pocket Maximum |
The most you pay during a policy period. After this maximum, the insurance plan pays 100%.
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| Plan Maximum |
The total dollar amount a health insurance company will pay to cover costs of your health care.
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| Pre-existing conditions |
A pre-existing condition is a health issue a person had before or is currently being treated. Your
health insurance must pay for services on all health conditions and cannot exclude payment for pre-existing
health issues.
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| Preferred Allowance |
The amount a Preferred Provider will accept as payment in full for Covered Medical Expenses.
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| Preferred Provider / In-Network |
This means your insurance company has a contract with a doctor or other health care provider. The
insurance company has negotiated reduced prices with these Providers to help you save money.
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| Preventive care |
Services that help prevent disease and keep you well. These can include adult immunizations/vaccines
(shots), wellness and screening exams.
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| Repatriation |
In the event of a person's death, this coverage will arrange to have the body return to the person's
home country.
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| Usual and Customary |
The lesser of the actual charge or a reasonable charge which is: 1) usual and customary when compared
with the charges made for similar services and supplies; and 2) made to persons having similar medical
conditions in the area where you get service.
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| Women's Preventive Services |
This is the regular care a woman needs including checkups for woman's health issues. These services
are paid 100% by the insurance company. The insurance company will also pay 100% for certain methods to
prevent pregnancy.
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