Faces of Fearless Stories

Faces of Fearless is a storytelling series in our “Live Fearless” campaign celebrating people living their very best lives and inspiring others to do the same.

Steve Bennett, the face of Lions Clubs International mobile screening unit, finds passion for hearing and vision tests for school kids. Read his Faces of Fearless story!

Pam Magdanz has been fearless about shaping the future, turning a passion for education into a legacy that has impacted thousands of young lives. Read her Faces of Fearless story!

Karlyn Walker learns to go beyond sobriety and recovery to commit to a life of wellness. Read her Faces of Fearless story!

Endurance athlete Lincoln Murdoch says "fun over fear" motivates him to compete in triathalons. Watch his Faces of Fearless video!

Louis "Big Lou" Parker has been knocked down a few times, but faith helps him get back up. Read his Faces of Fearless story.

John Coffey said boxing wasn’t something he thought about doing prior to his diagnosis for Parkinson's disease. Now he throws a proper hook, cross and uppercut like a champ. Read his Faces of Fearless story!

HEALTH INSURANCE TERMS


COINSURANCE

The percentage of the bill you pay after your deductible has been met.

COPAY

A fixed amount you pay when you get a covered health service.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider. 

DEDUCTIBLE

The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.

SUBSTANCE ABUSE DISORDER SERVICES

Includes behavioral health treatment, counseling, and psychotherapy


in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)

out-of-pocket

Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.

penalty

If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.

premium

The amount you pay to your health insurance company each month. 


Preventive services

Health care services that focus on the prevention of disease and health maintenance.

rehab SERVICES

Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).

specialist

A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.