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INDrVIDUAL HOSPITALSURGICAL INSURANCE
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accident and sickness adverse selection advertisement allowable expenses amount apply beneficiaries benefit reserve benefits payable carrier certificate charges claim costs claim determination period COB provision COBRA coinsurance coordination of benefits copayments covered person covering the person customer service dependent effective date employees employer-sponsored ERISA example expense benefit federal group health plans group insurance group medical expense group policy health insurance coverage health insurance issuers Health Insurance Portability health maintenance organizations hospital incurred indemnity individual medical expense insurance company insurance contract insurance plan insurance policies insurer's issue Lapse rates limits major medical plans medical expense insurance medical expense policy medical savings accounts Medicare Medigap NAIC offering coverage order of benefits out-of-pocket expense paid participants payment percent Portability and Accountability premium rate primary plan prior procedures provides benefits regulation reimbursement risk rules secondary plan Section self-insured sickness insurance small employers specific spouse surgical termination underwriting