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Health insurance and Obamacare terms

What does health reform mean to you? Start with these definitions.

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managed care

A medical delivery system that attempts to manage the quality and cost of medical services that individuals receive. Most managed… Read more

maximum dollar limit

The maximum dollar limit is the maximum amount of money that an insurance company (or self-insured company) will pay for… Read more

Medicaid

Medicaid is a health insurance program for low-income individuals and those with disabilities. Elderly low-income people are eligible for both… Read more

Medicaid expansion

A provision in the ACA called for expanding Medicaid eligibility in order to cover more low-income people. But in June… Read more

medical discount plan

Medical discount plans are much less expensive than health insurance, but they do not provide any of the protections of… Read more

medical flexible spending account

A medical flexible spending account (FSA) is a tax-advantaged account maintained by employers where employees can set aside a portion… Read more

medical loss ratio

Obamacare requires health insurance carriers to spend the bulk of the premiums they collect on medical expenses for their insureds.… Read more

medical underwriting

Medical underwriting is a process used by insurance companies to evaluate whether to accept an applicant for health coverage and/or… Read more

Medicare

Medicare is the federal health insurance program created to provide health coverage for Americans aged 65 and older and later… Read more

Medigap insurance policies

Medigap plans offer supplemental benefits sold by private companies to extend traditional Medicare. Fifteen plans offer varying combinations of benefits,… Read more

metal plans

One provision of the ACA is to standardize and improve individual health insurance policies. This was done by creating a “metal” ranking for individual… Read more

minimum essential coverage

In order to comply with the shared responsibility provision (individual mandate), all Americans must maintain health insurance that is deemed… Read more

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