Benefits Package
The services covered by your insurance.

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COBRA
A national law that helps employees keep their group health insurance if their job ends or their hours are cut.

Copayment
A small fee that you pay for each doctor visit or prescription.

Covered Benefit
A service your HMO will pay for if you need it.

Evidence of Coverage (EOC)
Your contract with your HMO, which tells you what your HMO will and will not pay for.

Formulary
A list of the prescription drugs covered by your HMO.

Group Coverage
Health insurance you get through a group, like your company or union.

HMO (health maintenance organization)
A kind of health insurance in which you must get your services from the doctors, labs and hospitals that have contracts with the HMO or work for it.

Medical Group
A group of doctors who have a business together and have a contract with an HMO to provide services to HMO members.

Network
All the doctors, labs and hospitals that have contracts with your HMO or work for it.

Premium
A monthly fee that you, your employer and/or the government pays to your HMO.

Primary Care Provider (PCP)
Your main doctor, who provides most of your care and coordinates your other health care services provider. Any person, clinic or organization that provides your health care services.

Specialist
A doctor with extra training in a special field, like children's health, cancer treatment or health care for seniors.