Coverage through an employer or other entity that provides coverage to all individuals in the group.

Prescription drugs marketed with a specific brand name by the company that manufactures it, usually the company which develops and patents it. When patents run out, generic versions of many popular drugs are marketed at lower cost by other companies. Check your insurance plan to see if coverage differs between name-brand and their generic twins.

Coverage on an individual, not group, basis. The premium is usually higher for an individual health insurance plan than for a group policy, but you may not qualify for a group plan.

Licensed insurance salesperson who obtains quotes and plans for clients from multiple sources.

Providers or health care facilities which are part of a health plan’s network of providers with which it has negotiated a discount. Insured individuals usually pay less when using an in-network provider, because those networks provide services at lower cost to the insurance companies with which they have contracts.

The insurance company offering a health plan.

the maximum amount a health plan will pay in benefits to an insured individual during that individual’s lifetime.

Case management is a system embraced by employers and insurance companies to ensure that individuals receive appropriate, reasonable health care services.

a limit on the amount of benefits paid out for a particular covered expense, as disclosed on the Certificate of Insurance.

The printed description of the benefits and coverage provisions forming the contract between the carrier and the customer. Discloses what is covered, what is not, and dollar limits.