ACA Marketplace: The Affordable Care Act Health Insurance Marketplace, helps people without health coverage find and enroll in an insurance plan that fits your budget and meets your needs.
Balanced Billing - when a healthcare provider bills you for the difference between what your health insurance pays and what your provider charges.
Children's Health Insurance Program (CHIP) provides health coverage to children in families with incomes too high to qualify for Medicaid but can't afford private coverage. (877) KIDS-NOW / (877) 543-7669 www.insurekidsnow.gov
COBRA: Allows an eligible employee who leaves a company to continue to be covered under the company’s health plan for a limited period of time for a higher premium.
Coinsurance: Amount you may still need to pay after meeting your deductible. Coinsurance is most often a percent (for example 20%).
Copayment (copay): Amount you may have to pay for healthcare or medications. A copay is often a fixed amount (for example $25).
Deductible: Amount you must pay for healthcare or medications before your insurance will pay.
Employer group health plan (EGHP): Coverage sponsored by an employer or union. If you either you, your spouse, or your parent (for children up to age 26) are working you may be eligible for insurance through your (their) employer. Employers with 50 full-time employees or more must offer insurance to their employees.
In-Network: Healthcare providers, practices, hospitals, etc. that are covered by your insurance plan. Choosing in-network providers is cheaper than out-of-network providers. To find a list of in-network providers contact your health insurance plan.
Indian Health Service is a Federal Health Program for American Indians and Alaska Natives.
Managed Care Plans – Some states are offering pilot programs enrolling people who are eligible for both Medicare and Medicaid.
Medicare Advantage – is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. People with ESRD are not eligible to apply for these plans, but some may already be enrolled in a Medicare Advantage plan before starting dialysis or needing a transplant.
Premium: Amount to be paid monthly or quarterly to keep the health insurance plan active.
SHIP: State Health Insurance Assistance Program. Free help for people with Medicare coverage.