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Helping direct your employees to the quality care they need.
The Affordable Care Act (ACA), a federal law designed to make healthcare more affordable, accessible and of higher quality.
The percentage of the bill you pay after your deductible has been met.
A fixed amount you pay when you get a covered health service.
The annual amount you pay for health services before your insurance begins to pay.
The government Website (healthcare.gov) where you can purchase health insurance and see if you qualify for a tax credit (subsidy) to help with premiums and out-of-pocket costs.
The window of time from November 1, 2015 – January 31, 2016, when you can purchase health insurance.
A term for providers that aren’t contracting with your insurance company. (Tend to be more expensive than in-network providers.)
Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.
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.
The amount you pay to your health insurance company each month.
Routine health care that includes screenings, check-ups and patient counseling to prevent illness, disease, or other health problems.
Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.
Includes behavioral health treatment, counseling, and psychotherapy.
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).
Financial assistance from the government that helps those who are eligible pay for health insurance. Eligibility is generally determined by household income and family size.