Affordable Care Act (ACA)

Law enacted to increase quality and affordability of health insurance.


Amount that you would pay for covered medical services after you’ve satisfied any co-payment or deductible required by your health insurance plan.


Amount that you would be required to pay for a doctor visit or prescription. The insurance company would pay for the balance.


Amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims.

Durable Medical Equipment (DME)

Items such as crutches, knee braces, wheelchairs, hospital beds, prostheses.

Health Savings Account (HSA)

A savings account where tax-free contributions can be made.  Funds may be used for qualifying medical expenses.

Health Maintenance Organization (HMO)

A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO.


Law that protects the privacy and identity of healthcare patients/consumers.

Maximum-Out-Of-Pocket (MOOP)

Annual limit on all costs for which you would be responsible for under a health insurance plan.

Point of Service (POS)

Plan that may require you to choose a primary care physician who will make referrals to specialists within the network.

Preferred Provider Organization (PPO)

Plan that uses specific providers in order for claims to be paid at the highest level.


Total amount paid to the insurance company for health insurance coverage, typically in a monthly charge.