A benefit your employer, union or other group sponsor provides to you to pay for your health care services.
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- Glossary: Exclusive Provider Organization Plan [EPO Plan]A managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network (except in an emergency).
- Glossary: Family and Medical Leave Act [FMLA]A federal law that guarantees up to 12 weeks of job protected leave for certain employees when they need to take time off due to serious illness or disability, to have or adopt a child, or to care for another family member. When on leave under FMLA, you can continue coverage under your job-based plan.
- Glossary: High Deductible health Plan [HDHP]A plan with a higher deductible than a traditional insurance plan. The monthly premium is usually lower, but you pay more health care costs yourself before the insurance company starts to pay its share (your deductible). A high deductible plan (HDHP) can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes.
- Glossary: 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. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
- Glossary: Individual Service Plan [ISP]Case Management plan for person on waiting list, now called a Personal Support Plan (PSP).