a system that organizes a network of doctors, hospitals, and other providers to provide comprehensive health services to their members at lower costs.

health care benefits that state or federal law says must be include din health care plans.

a significant misstatement in an application form. For example, you did not tell the truth about a situation or medical condition at the time of applying for coverage which would have caused the company to deny you insurance if they had known the truth.

the time at which the insurance contract is paid to the policyholder, if still alive.

insurance that pays the medical and funeral expenses for you or any passengers riding in your car at the time of an accident. Medical payments will provide coverage whether the accident was caused by you or someone else.

an account held in trust for the account holder. The employer or employee makes annual tax-free contributions to the account that must be maintained in conjunction with a high deductible health insurance policy.

a provision in a health care insurance policy that excludes coverage for treatment that is not “medically necessary”. This term may be defined differently from one health care plan to another.

the charges a company makes against the policy to cover the policy’s share of the cost of death claims, based upon a mortality table used by the insurance company. Also called the “cost of insurance”.

a statistical table that shows how long people are expected to live under various situations.

benefit plans that serve employees of more than one employer and are set up under collective bargaining agreements.

a type of employee association plan that provides benefits to employees of more than one employer.