Group insurance plan in which the insurance company does the administrative work such as computing premium amounts due and mailing monthly notices to the insureds.

Section of an insurance policy that states the agreement and type of loss or damage that the insurer is protecting the insured against.
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Same as operative clause.

System of combining two or more insurance benefit plans to prevent duplication of benefits or overinsurance. Also referred to as integration .

High preset amount (e.g., $2000) or the total benefits paid under a basic medical care plan, whichever is greater, that must be exceeded before supplemental major medical benefits are payable.

Arrangement of several health care organizations rendering a network of medical services (facilities, physicians, ancillary service providers) to a specific population or geographical area. An advanced IDS form combines an insurance or third-party administrator so that there is no division between provider and payer. Also known as integrated delivery network, integrated medical system (IMS), integrated healthcare system (IHS), integrated healthcare organization (IHO), integrated service network (ISN), integrated health delivery network , or organized care system .

Dental insurance plan that is part of a major medical insurance policy.

Health care financing and delivery organizations established to give a continuum of care so that patients get the right care at the right time by the right provider. This continuum of care from primary care provider to specialist and ancillary provider under one corporate umbrella guarantees that patients get cared for appropriately, thus saving money and increasing the quality of care.