A waiting period is the amount of time an individual or dependent must wait before insurance coverage becomes effective.
A subspecialist is a doctor who has a narrower area of expertise in a specialized area. For example, a pediatric oncologist is a doctor who takes care of children with cancer, and a geriatric oncologist is a doctor who takes care of elderly people with cancer.
A specialist focuses on a more narrow area of medical care such as a neurologist, a cardiologist, an oncologist or an otolaryngologist.
A primary care physician is a physician who handles the primary and general outpatient care needs of patients. Primary care physicians can be family physicians, internists, pediatricians and obstetrician-gynecologists. Primary care physicians tend to make less money than specialists, though they see more patients, but salary surveys show primary care physicians are taking on a […]
A pre-existing condition is any condition (physical or mental) including a disability that a patient was diagnosed with or received treatment for before their health insurance plan went into effect. Some states have pre-existing condition exclusions, such as six months or 18 months. The time an insurance company is allowed to exclude a patient varies […]
A nurse practitioner is a licensed health professional with an advanced degree who has the ability to perform basic primary care functions such as prescribing medication and making certain diagnoses. Regulations for their job duties, known as ???scope of practice??? rules, vary from state to state. They do have to have some physician supervision, but […]
A health savings account (HSA) is a medical savings account available to taxpayers to pay for medical expenses not covered by insurance. A consumer or a worker can set aside pretax dollars that can then be used to pay co-payments, coinsurance or prescriptions. There are some HSA accounts that allow account holders to use it […]