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.

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.

An agreement and sharing of risk in which persons or companies make regular payments to an insurance Company (the insurer). The Company, in turn, promises to pay money towards specified wellness / preventative services and towards allowed medical services if the covered person becomes ill or injured.

A coding system that providers use on claims to describe the problems they are treating.