Period of 1 year commencing on January 1 and ending on December 31.

Common form of deductible under major medical and comprehensive medical expense insurance plans. Insureds may accumulate covered expenses for the purpose of satisfying the deductible for the entire 12-month period.
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In health insurance, the amount of expense that must be borne by the insured during a calendar year before the health insurance policy makes payment for loss.

Physicians or providers on whom a medical practitioner depends for backup support during times that he or she is not available.

Group of physicians with similar medical specialties who have joined together to give call share services.

Subject to redemption on notice (e.g., a bond).