Health Insurance Terms
deductible - The amount you pay each year before your health plan starts paying for services. For example, if your plan has a $1,000 deductible, you will need to pay the first $1,000 of the costs for the health care services you receive. Once you have paid this amount, your insurance will begin to pay a portion or all of your health care costs, depending on the plan.
dental insurance - a type of insurance to help offset the cost of oral care, including routine dental check-ups, cleanings, X-rays, and even orthodontia, depending on the plan. Sometimes your medical plan may include dental coverage, and sometimes you may need to purchase a standalone plan.
DPOS - A Direct Point-of-Service plan allows access to any doctor or hospital, both in and out of network. Members pay less when they choose doctors and hospitals in the network, and more for out-of-network doctors and hospitals.
durable medical equipment - Durable medical equipment includes, but is not limited to, the following: hospital beds, crutches, canes, wheelchairs, walkers, peripheral circulatory aids, cervical collars, traction equipment, physiotherapy equipment, oxygen equipment, and ostomy supplies. You should always check with both your provider and health plan to determine whether an item is considered to be durable medical equipment.