Glossary

A request for your managed care organization to review a denial or a grievance again.

A grievance that you communicate to your health insurer or plan.

A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.

Equipment ordered by a health care provider for everyday or extended use. Coverage for DME may include but is not limited to: oxygen equipment, wheelchairs, crutches, or diabetic supplies.

An illness, injury, symptom, or condition so serious that a reasonable person would seek care right away to avoid harm.

Ground or air ambulance services for an emergency medical condition.

Emergency services you get in an emergency room.

Evaluation of an emergency medical condition and treatment to keep the condition from getting worse.

Health care services that your health insurance or plan doesn’t pay for or cover.

A complaint to your health insurer or plan.

Health care services such as physical or occupational therapy that help a person keep, learn, or improve skills and functioning for daily living.

A contract that requires your health insurer to pay your covered health care costs in exchange for a premium.

Health care services a person receives in a home.

Services to provide comfort and support for persons in the last stages of a terminal illness and their families.

Care in a hospital that requires admission as an inpatient and usually requires an overnight stay.

Care in a hospital that usually doesn’t require an overnight stay.

Health care services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease or its symptoms and that meet accepted standards of medicine.

The facilities, providers, and suppliers your health insurer or plan has contracted with to provide health care services.

A provider who doesn’t have a contract with your health insurer or plan to provide covered services to you. It may be more difficult to obtain authorization from your health insurer or plan to obtain services from a non-participating provider instead of a participating provider. In limited cases, such as when there are no other providers, your health insurer can contract to pay a non-participating provider.

A provider who has a contract with your health insurer or plan to provide covered services to you.

Health-care services a licensed medical physician (M.D. -Medical Doctor or D.O. -Doctor of Osteopathic Medicine) provides or coordinates.

A benefit, like Medicaid, which provides and pays for your health-care services.

A decision by your health insurer or plan that a health-care service, treatment plan, prescription drug, or durable medical equipment that you or your provider has requested, is medically necessary. This decision or approval, sometimes called prior authorization, prior approval, or pre-certification, must be obtained prior to receiving the requested service. Pre-authorization isn’t a promise your health insurance or plan will cover the cost.

The amount that must be paid for your health insurance or plan.

Health insurance or plan that helps pay for prescription drugs and medications.

Drugs and medications that by law require a prescription.

A physician (M.D. -Medical Doctor or D.O. -Doctor of Osteopathic Medicine) who directly provides or coordinates a range of health-care services for a patient.

A physician (M.D. -Medical Doctor or D.O. -Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist, or physician assistant, as allowed under state law, who provides, coordinates, or helps a patient access a range of health-care services.

A physician (M.D. -Medical Doctor or D.O. -Doctor of Osteopathic Medicine), health-care professional, or health-care facility licensed, certified, or accredited as required by state law.

Health-care services such as physical or occupational therapy that help a person keep, get back or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt or disabled.

Services from licensed nurses in your own home or in a nursing home.

A physician specialist focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent or treat certain types of symptoms and conditions.

Care for an illness, injury or condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care.