Health Insurance Terms

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special enrollment period -  A period of time outside of the open enrollment period in which you may be eligible to apply for an individual and family health plan. If you experienced a qualifying life event, such as getting married, having or adopting a baby, losing your coverage, or moving into a new service area, you may qualify for SEP. Learn more about special enrollment periods.
- Synonyms: SEP
specialist -  A specialist is a physician who provides care for certain conditions in addition to the treatment provided by your primary care physician (PCP). For example, you may need to see an allergist for allergies or an orthopedic surgeon for a knee injury.
specialty services -  These are sometimes referred to as ancillary services, and examples include prescription drug, vision, dental, and life and disability insurance.
subsidy -  Financial assistance offered by the federal government to help offset the costs of individual and family health insurance plans. Depending on family size and household income levels, some people may be eligible for a lower premium, lower cost-sharing, or both. See if you may qualify for a subsidy.
Summary of Benefits and Coverage (SBC) -  The federal government requires all health plans to use a standard template to describe the benefits, cost-sharing, and coverage limitations and exceptions included in the plan.