{"id":150,"date":"2021-08-31T04:00:00","date_gmt":"2021-08-31T10:00:00","guid":{"rendered":"https:\/\/www.hbwins.com\/blog\/?p=150"},"modified":"2021-08-31T17:42:54","modified_gmt":"2021-08-31T23:42:54","slug":"health-insurance-terminology-back-to-basics","status":"publish","type":"post","link":"https:\/\/www.hbwins.com\/blog\/health-insurance-terminology-back-to-basics\/","title":{"rendered":"Health Insurance Terminology: Back to Basics"},"content":{"rendered":"<p style=\"text-align:justify\">Health insurance seems simple, it is insurance that pays for your health care in exchange for a premium. The reality is a little more complicated. It is important to have a firm grasp of basic health insurance terminology. HBW Insurance Group serving the Catonsville, MD area is here to assist you.<\/p>\n<h2 style=\"text-align:justify\">Terminology<\/h2>\n<ul>\n<li style=\"text-align:justify\">Provider &ndash; this is the provider of the health care service either a health care professional or facility. These may be either a preferred or non-preferred provider. A preferred provider has a contract with your health insurance.<\/li>\n<li style=\"text-align:justify\">Network &ndash; these are all the providers that are contracted to your health insurance to provide services.<\/li>\n<li style=\"text-align:justify\">Co-payment &ndash; a fixed fee that you pay when seeking health services from your provider. It may vary depending on the type of health care service you need.<\/li>\n<li style=\"text-align:justify\">Deductible &ndash; this is the amount that you as an individual have to pay for covered services before your health insurance plan begins to pay. Not all services have deductibles.<\/li>\n<li style=\"text-align:justify\">Co-insurance &ndash; your share of the costs for a health care service that is covered.<\/li>\n<li style=\"text-align:justify\">Allowed amount &ndash; this is the amount that your insurance will pay for the covered service. It may vary from provider to provider, with some charging the allowed amount, and others charging more.<\/li>\n<li style=\"text-align:justify\">Out of pocket limit &ndash; this is how much you have to pay yourself before the health insurance cover starts to cover the allowed amount in full. There are certain exclusions.<\/li>\n<\/ul>\n<p style=\"text-align:justify\">Health insurance is a wonderful plan to have. It is important to work closely with your health insurance provider to create a specially curated policy for you and your family. HBW Insurance Group serving the Catonsville, MD area is on hand to assist you today.&nbsp;Get in touch with us and secure your health!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Health insurance seems simple, it is insurance that pays for your health care in exchange for a premium. The reality is a little more complicated. It is important to have a firm grasp of basic health insurance terminology. HBW Insurance Group serving the Catonsville, MD area is here to assist you. Terminology Provider &ndash; this [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[8,5],"class_list":["post-150","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-catonsville-md","tag-hbw-insurance-group"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Health insurance seems simple, it is insurance that pays for your health care in exchange for a premium. The reality is a little more complicated. It is important to have a firm grasp of basic health insurance terminology. HBW Insurance Group serving the Catonsville, MD area is here to assist you. Terminology Provider \u2013 this\" \/>\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"agentinsure\"\/>\n\t<meta name=\"keywords\" content=\"catonsville md,hbw insurance group\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.hbwins.com\/blog\/health-insurance-terminology-back-to-basics\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | HBW Insurance Group |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Health Insurance Terminology: Back to Basics | Blog | HBW Insurance Group\" \/>\n\t\t<meta property=\"og:description\" content=\"Health insurance seems simple, it is insurance that pays for your health care in exchange for a premium. The reality is a little more complicated. 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