On some plans and / or benefits: the yearly amount you may owe for healthcare services before your health insurance begins to pay benefits. For example, if your deductible is $300, certain benefits subject to deductible will not have anything paid by insurance until you have met your $300 deductible cost sharing for those covered services. Some plans may not have deductibles, others may have separate or combined deductibles for medical, dental and/or vision benefits. If your plan has a family maximum on the deductibles, once the sums among the covered family members have accumulated and reach the family max, the deductible is deemed met for all family members for the remainder of that Policy year. Remember to submit your claims to your insurance Company so they know you have made the payments which could count toward deductibles.

Refusal by an insurance company to honor a request by an individual (or his or her provider) to pay for health care services obtained from a health care professional.

Spouse or children eligible for coverage on an Insurance policy. In Cayman, eligible dependants include: spouses legally married or living together as man & wife for 5 or more years (proof of co-habitation is usually required); children, step-children and adopted children up to age 18 or 19 (depending upon policy), up to age 24 if attending school, and if financially dependent, up to age 30. For over 18 or 19 yr. old children: to remain eligible, it is necessary to provide your insurance company with information on an annual or semi-annual basis. Married and/or employed children do not usually count as eligible dependants and should go on their own policies.