Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the policy to terminate.
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Orginal Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
Dental insurance is a form of health insurance designed to pay a portion of the costs associated with dental care.
Dental plans are similar in some ways to health insurance plans in some respects, but different in other ways.
You’ll generally have the following options:
Preferred Provider Organization (PPO)
Dental Health Maintenance Organization (DHMO)
Short term health insurance is medically underwritten and does not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act.
Individual health insurance is coverage that you purchase on your own. It can be purchased both on- and off-exchange. Consumers can buy coverage during an Open Enrollment Period (OEP) although some stated offer deadline extensions. Outside of OEP, you must have a special enrollment period to enroll.
Every child deserves to grow up healthy and happy. To help them get there, kids need regular checkups and medical care. If your child doesn't have health insurance, there's help. The Children's Health Insurance Program (CHIP) offers low-cost or no-cost coverage for infants, children and teens.
Fixed indemnity insurance pays a set benefit per specified medical expense, as opposed to a share of the total covered costs after a deductible, which is an approach you might know.
Accident insurance, also called accident expense or accidental death insurance, gives you cash if you get injured or die from an accident covered by your policy. It pays a benefit directly to you (or your beneficiaries in case of death) for injuries resulting from a covered accident.
Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness. Oftentimes the patient will face other challenges such as paying everyday living expenses while out of work.
Cancer Insurance is here to help you and your family better cope financially—and emotionally—if a positive diagnosis of cancer ever occurs. Added comfort and protection means the freedom to focus on more important things.
A list of health terms with easy-to-understand definitions that will help you navigate the evolving health care system.
Another term for the Health Insurance Marketplace, a service available in every state that helps individuals, families, and small businesses shop for and enroll in affordable medical insurance.