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Medical Expense Insurance (ID-AHS)

Medical Plan Concepts

Fee-for-Service vs. Prepaid
Specified Coverage vs. Comprehensive Care
Benefit Schedule vs. Usual
Any Provider vs. Limited Choice
Insureds vs. Subscribers/Participants
Dependent Coverage
Deductibles
Coinsurance
Stop-Loss Provision

Types of Providers and Plans

Basic Plans
Major Medical Insurance
Major Medical Insurance—Out of Pocket
Major Medical Insurance—Covered Expenses
Major Medical Insurance—Exclusions
Health Maintenance Organizations (HMOs)
Preferred Provider Organizations (PPOs)
Point-of-Service (POS) Plans
Open Panel vs. Closed Panel

Flexible Spending Account (FSA)
Health Savings Account (HSA)
Health Reimbursement Account (HRA)

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Business Hours

9:00am to 7:00pm, Mountain Time

Monday thru Friday

Office Phone

(801) 518-1956

Text Us (anytime)

(801) 518-5016

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marlene@mountainCE.com

rjmauer@mountainCE.com

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