Insurance Terms
IBC Benefits
Plans
Health Care Reform
Your Health Cost
100
This refers to the amount of money that the insured would need to pay before any benefits from the health insurance policy can be used.
What is deductible?
100
This offers a full array of travel and international medical plans including plans for single trips, multiple trips, and long term travelers
What is Geo Blue?
100
A HSA eligible plan.
What is PPO Bronze reserve?
100
Under the law, if a plan includes children, a parent can cover children on their health insurance plan until the child turns 26 years old.
What is The Affordable Care Act?
100
This is the most you pay out of pocket for your health services on the Keystone HMO Platinum Plan.
What is $3000?
200
This network gives you access to in network doctors without a referral.
What is an EPO?
200
This network gives you access to in network doctors without a referral.
What is EPO?
200
This plan gives you the broadest coverage of in network and out of network services.
What is PPO Platinum Complete?
200
1.Outpatient care—the kind you get without being admitted to a hospital 2.Trips to the emergency room 3.Treatment in the hospital for inpatient care 4.Care before and after your baby is born 5.Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy 6.Your prescription drugs 7.Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more. 8.Your lab tests 9.Preventive services including counseling, screenings, and vaccines to keep you healthy and care for managing a chronic disease. 10.Pediatric services: This includes dental care and vision care for kids
What is Essential Health Benefits.
200
Do to the "ACA", you can now get an colonoscopy screening from our preventive plus provider for how much?
What is $0.
300
A colonoscopy for colorectal cancer screening
What is Preventive Plus providers
300
if a member fills a prescription with a brand drug and there is a generic version available, then the member is responsible for the difference between the negotiated discount price of the generic drug and the brand drug Also Paying the appropriate member cost sharing for a brand drug
What is mandatory generics?
300
This plan has a deductible of $2000 and includes vision coverage.
What is PPO Silver.
300
A time outside of the open enrollment period during which you and your family have a right to sign up for health coverage.
What is a special enrollment period.
300
All of our Platinum level plans cover brad name prescriptions at the same price.
What is $30.
400
The customer enrolled in the 4th quarter of the previous year (their effective date was 10/1 or later)•The customer is currently on a PPO and will be choosing to stay with a PPO next year.
What is a PPO?
400
This type of care is necessary treatment for a non-life-threatening, unexpected illness or accidental injury that requires prompt medical attention when your doctor is unavailable.
What is Urgent care?
400
This plan requires you to meet deductible before it covers rx and it has the lowest premium.
What is Bronze HMO.
400
– Income between 100 and 400 % FPL (for family size), – Cannot be claimed as a dependent, and – If married, files a joint return (with some exceptions)
What is the eligibility requirements for a premium tax credit.
400
This is the maximum visits allowed for Cardiac and Pulmonary rehabilitation Therapy.
What is 36 visits per calendar year?
500
Can be administered safely and effectively by either the Covered Person or a caregiver without medical supervision, regardless of whether initial medical supervision and/or instruction is required.
What is SELF-INJECTABLE PRESCRIPTION DRUG.
500
Allows you to visit a participating registered dietician or network physician up to 6 times a year at no cost
What is Nutrition Counseling?
500
What's great about an HMO plan is that it saves you about 10% in monthly premiums. And since referrals are sent electronically, you won't need to visit your PCP every time you need a referral which will save you time and money.
What is HMO value statement?
500
This mandate helps all Americans with pre-existing conditions gain and keep their coverage, protects all Americans’ choice of doctors, ends lifetime limits on the care consumers may receive and includes other provisions.
What is The Patient’s Bill of Rights?
500
This cost for a member is associated when you are covered on the Keystone Silver Proactive Value Plan and had a planned major surgery at Temple University then stayed 2 nights while under care taking a $2000 prescription per night.
What is up to $6850?
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