保險的語言

Health insurance literacy is the degree to which individuals have the capacity to process, understand the rules surrounding insurance plans and utilize that knowledge to access their basic health services. Understandably, your ability to understand the larger processes that govern your healthcare plan is the ability to understand the words used when communicating with your plan, providers and pharmacists.

字說事

患者的醫療術語

Illustrated in recent survey data, 病人權益基金會已經證明,對於一些周邊的醫療和健康保險中最常用術語, 少 59% 患者認為他們在的話中的意思信心.

招生過程中使用的關鍵的詞彙和醫療保險的用法, 包括扣除, 共同支付, 網絡, 涵蓋的服務和排除服務由患者過於頻繁混淆. 此外, 我們的調查數據顯示這些詞的理解和便於招生過程,也是一個病人的計劃的最終滿意度,他們選擇之間存在明顯的相關性.

Healthcare policies, laws and trends are discussed practically everyday in the news and even at the watercooler. This list of words provides terms that can impact your healthcare and the healthcare of everyone around you.

Plain Language Glossary for Terms Used by Your Plan

To reduce this confusion and help patients better understand the jargon they will likely encounter in healthcare, the below glossary is a resource to help patients understand these words with plain language definitions.

Commercial Health Insurance

Health insurance offered by private for-profit companies in exchange for a premium paid by enrollees. Commercial insurance plans can be structured in many different ways and are frequently offered with numerous plan types. Also known as private health insurance. Also known as Private Insurance. Sounds like: kəˈmərSHəl helTH inˈSHo͝orəns

Coverage

An agreement between you and your insurer where they cover some of your health care costs in exchange for a premium. If you have coverage in place, you have agreed to the terms of the agreement. Sounds like: ˈkəv(該)rij

覆蓋優勢

The entire package of defined medical procedures, therapies, prescriptions and services listed within your insurance plan documents in which the insurer agrees to provide compensation on your behalf. Also known as Benefits. Sounds like: ˈbenɪfɪt z

Covered Services

The medical services, procedures or treatments that are listed within your coverage details that the insurer has agreed to provide payment on your behalf. Sounds like: kuhv-er ‘d ˈsər-vəs ez

Employer-Based Health Plan

Health insurance sponsored and coordinated by your employer and available to you as an employee. Many employer-based health plan premiums are covered in part by the employer, lowering the amount you owe in premiums. Also referred to as job-based health plans. Sounds like: əmˈploiər bās helTH ˈplan

Enrollment Date

The date when you signed up for health insurance and officially submitted your application and enrollment paperwork. Sounds like: inˈrōlmənt dāt

Health Insurance Card

A wallet-sized card issued by your insurer when enrollment is complete and coverage begins. The card serves as proof of insurance and contains basic information regarding the insured member, the plan structure, co-payments and co-insurance and has contact information to reach the insurer. Sounds like: helTH inˈSHo͝orəns ˈkärd

健康保險市場

A shopping resource where people can compare, research and purchase insurance plans for the next plan year. Marketplaces are available in each state and are the only places where you can qualify and receive premium tax credits to help offset the cost of your monthly premium for the plan you select. Also known as Marketplace. Sounds like: ˈmärkətˌplās

健康保險

A type of contract in which you agree to pay a premium to a company in exchange for help paying for the cost of medical services should you require them during the time period of coverage. You must pay the premium even if you do not receive any care during that period. Also known as Insurance. Sounds like: helTH inˈSHo͝orəns

健康維護組織

A plan where you pay a higher premium in exchange for defined co-payments and co-insurance amounts associated with care due at the time of service. Most HMO's do not have a deductible, and are structured to reduce the exposure to large out-of-pocket costs. HMOs may also require your care to be provided by members of its network in order to be covered, with limited or no benefits for care received by a provider outside of this network. Sounds like: helTH ˈmānt(該)nəns ôrɡənəˈzāSH(該)n

High Deductible Health Plans

A plan that typically has lower premiums but higher deductibles that must be met before the insurer begins to pay toward your care. Sounds like: ˈhī dəˈdəktəb(該)l helTH ˈplan

保險

A type of contract in which you agree to pay a premium to a company in exchange for help paying for the cost of medical services should you require them during the time period of coverage. You must pay the premium even if you do not receive any care during that period. Also known as Health Insurance. Sounds like: inˈSHo͝orəns

Marketplace

A shopping resource where people can compare, research and purchase insurance plans for the next plan year. Marketplaces are available in each state and are the only places where you can qualify and receive premium tax credits to help offset the cost of your monthly premium for the plan you select. Also known as Health Insurance Marketplace. Sounds like: ˈmärkətˌplās

Navigator

An individual or organization that is trained to help you when shopping for insurance, and can assist in completing enrollment forms or evaluating plan options. Navigators are required to be unbiased and work to help you find the best health plan for your needs, all at no cost to you. Sounds like: ˈna-və-ˌgā-tər

網絡

Medical providers that have contracted with your plan to provide your care at a reduced negotiated rate. This group of providers is referred to as your network or your insurer's network. Sounds like: ˈnetˌwərk

公開招生

A defined period of time each year during where an individual may select or change his or her health insurance plan for the following plan year. Open enrollment periods and time of year vary based on the whether seeking Commercial insurance, employer-based insurance or Medicare insurance. Medicaid does not have an open enrollment period. Sounds like: ōpən inˈrōlmənt

首選提供商組織

A type of health plan provided to you in exchange for your premium, that allows you access to a network of medical providers, such as hospitals and doctors who agree to provide you care at a discounted rate. This plan type may allow care outside of these providers, but typically will do so at a higher cost to you. Also seen as PPO. Sounds like: pri-ˈfər prə-ˈvī-dər ȯr-gə-nə-ˈzā-shən

保費稅收抵免

A tax credit that can help you afford health coverage through the Health Insurance Marketplace by providing instant savings on premium payments. In order to receive the Premium Tax Credit you must meet and maintain eligibility criteria throughout your plan year. Also known as Tax Subsidy. Sounds like: ˈprēmēəm taks ˈkredət

額外費用

When you decide to enroll in a health plan, this is the amount you agree to pay in exchange for having an insurer issue you insurance coverage. This amount is typically due on a monthly basis, but can be charged in other frequency. You must pay the premium amount regardless if you receive any care by medical providers during your plan term. If you do not pay your premium, you are canceling the contract and the insurer does not have to pay towards your care. Sounds like: ˈprēmēəm

Private Insurance

Health insurance offered by private for-profit companies in exchange for a premium paid by enrollees. Commercial insurance plans can be structured in many different ways and are frequently offered with numerous plan types. Also known as private health insurance. Also known as Commercial Health Insurance. Sounds like: ˈprīvit inˈSHo͝orəns

Tax Subsidy

A tax credit that can help you afford health coverage through the Health Insurance Marketplace by providing instant savings on premium payments. In order to receive the Premium Tax Credit you must meet and maintain eligibility criteria throughout your plan year. Also known as Premium Tax Credit. Sounds like: ˈprēmēəm taks ˈkredət

Uncovered Services

Healthcare your insurer has stated that it does not pay for, as defined in your plan language. Also known as Excluded Services. Sounds like: ikˈsklo͞od ˈsərvəs

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VOCABULARY ARTICLES


Watch "Chatter That Matters" Explainer Videos

喋喋不休的事項討論 "公開招生"
Chatter That Matters discusses "Covered & Uncovered Services"

This “Words that Matter” glossary and “Chatter that Matters” materials are part of a branded project supported by Patient Advocate Foundation and the病人行動理事會. 上面提到的調查數據進行分析,內與收集響應從十一月醫療消費者中隨機抽取了“健康保險市場體驗調查”項目 2014 到一月 2015.