HMO

Preferred Provider Organization - a type of health insurance plan that offers more flexibility than an HMO, allowing members to see out-of-network providers at a higher cost without referrals.

Insurance coverage that pays for medical and surgical expenses incurred by the insured, including doctor visits, hospital stays, prescription drugs, preventive care, and other healthcare services.

Insurance coverage for unforeseen bodily injury resulting from an accident.

A fixed amount you pay for a covered health care service, usually when you receive the service.

A cost-sharing arrangement where the insured pays a specified percentage of covered expenses after the deductible is met.

The most you have to pay for covered services in a plan year. After you reach this amount, the insurance pays 100% of covered services.