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The amount you pay for your health insurance every month.
The amount you pay for covered health care services before your insurance starts to pay.
A fixed amount you pay for a covered health care service after you've paid your deductible.
The most you pay during a policy period (usually a year) before your insurance starts to cover 100% of covered services.
Your share of the costs of a covered health care service, calculated as a percentage of the allowed amount for the service.
The facilities, providers, and suppliers your health insurer has contracted with to provide health care services.
A health insurance plan that typically limits coverage to care from doctors who work for or contract with the HMO.
A health plan that offers more flexibility in choosing doctors and hospitals but may have higher costs.
Quotes are examples only and may vary based on your provider, location, and policy. Final rates are determined upon application review.Quotes generated through this site are estimates only and do not guarantee coverage or specific rates. Actual rates and coverage options will be determined upon application review by the insurer. This glossary is not a substitute for reviewing your individual insurance policy or consulting with a licensed insurance agent. For specific questions or advice regarding your coverage or eligibility, please contact your insurance provider directly. Submitting an application or receiving a quote does not guarantee approval for coverage. Approval is subject to the insurer's underwriting guidelines. All policies are subject to the terms, conditions, and exclusions specified by the issuing insurer. Refer to your policy documents for full details. Any references to an insurer's financial strength are based on publicly available ratings and are not a guarantee of future performance. This site is operated by a licensed life and health insurance agent authorized to conduct business in Kentucky. Services and products may not be available in all states. Insurance quotes displayed on this site are for illustrative purposes only. Actual premiums, terms, and coverage amounts will vary based on the underwriting process and provider terms. Insurance policies are regulated by state law and subject to the terms and conditions of the issuing insurer. Please consult a licensed agent in your state for specific details. For personalized advice or quotes, please contact us directly. Policy specifics, including costs and eligibility, will be provided upon request after consultation. This site may contain links to third-party websites or services. We are not responsible for the accuracy or practices of these providers. Always verify terms directly with the provider. For personalized advice or quotes, please contact us directly. Policy specifics, including costs and eligibility, will be provided upon request after connecting with us. By submitting your information, you consent to be contacted by a licensed insurance agent/representative. Personal information provided on this site will be used to provide quotes and services as requested. Please review our Privacy Policy for details. Hurstbourne Insurance and Financial LLC may receive compensation from insurance providers for policies sold. This does not influence the recommendations provided to you. This site is intended to be accessible to all users. If you encounter any difficulties accessing the content, please contact us at contact@hurstbournewealthmanagement.com. We do not provide tax or legal advice. Consult with a qualified professional for information on how life insurance may affect your taxes or estate planning. The content on this website is for informational/educational purposes only and should not be considered as personalized legal, financial, or insurance advice. While we strive to provide accurate information, we are not responsible for errors, omissions, or inaccuracies. Use the information at your own risk.
