Within the geographical boundaries defined by a health maintenance organization as the area in which it will provide medical services to its members.

Insurance phrase that means a patient is given medical services earlier than the effective date of membership in an insurance plan.

Division in an exclusive-agency insurance company and staffed by company-employed brokerage sales agents. They solicit distribution agreements with other companies offering products that the exclusive-agent company does not have. The company’s agents can then broker business with those companies through the in-house brokerage agency.