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explanation of benefits

An explanation of benefits is the insurance company’s written explanation regarding a claim, showing what they paid and what the client must pay. The document is sometimes accompanied by a benefits...

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exclusion

An exclusion is a provision within a health insurance policy that eliminates coverage for certain acts, property, types of damage or locations.

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employer-sponsored health insurance

Of Americans who have health coverage, nearly 60 percent secure that coverage through an employer-sponsored plan, often called group health insurance. Millions take advantage of the coverage for...

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employee assistance programs (eaps)

Mental health counseling services that are sometimes offered by insurance companies or employers. Typically, individuals or employers do not have to directly pay for services provided through an...

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effective date

The effective date is the date your insurance coverage commences.

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exchange

A health insurance exchange mechanism is a key provision of the Affordable Care Act, established to provide a selection of competing providers, each offering different qualified plans. All qualified...

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employer tax credits

Employer tax credits – or Small Business Health Care Tax Credits – provide a tax credit of up to 35 percent of small business premium costs in 2010 – with that rate increasing to 50 percent in 2014....

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employer-sponsored health plans

Employer-sponsored health plans currently provide some level of health coverage for approximately 160 million Americans. Employer-sponsored health plans are more likely to be provided by larger...

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employer mandate

The new health reform legislation requires employers with 50 or more employees to provide health coverage to those employees and sets a minimum baseline of coverage and employer contributions....

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electronic medical record

An electronic medical record is a record of patient health maintained by the patient’s physician as a record of that physician’s care of the patient. This record is often confused with an electronic...

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electronic health record

An electronic health record is a long-term aggregate of a patient’s health information and may be a record of a variety of providers and types of medical care. This record is sometimes confused with...

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essential health benefits

Beginning in 2014, under the Affordable Care Act, all health insurance policies sold in state health insurance exchanges must cover what physicians and consumer advocates call essential health...

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