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Health Insurance
California >> Insurance
Glossary >> D
HEALTH INSURANCE GLOSSARY-
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Dental Insurance
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Dental
insurance helps you get the required dental coverage. They help
in covering the costs of dental treatments. The dental insurance helps,
if you suddenly meet with an accident and if you need to undergo dental
treatment. There are several plans under the dental insurance.
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Dental Plans
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You are given the option of choosing any plan under the
dental insurance. Basically there are two kinds of dental
plans the indemnity plan and the managed care plan. Under the
indemnity plan you can have the choice of choosing your own dentist,
but you should pay for your visits. Under the managed
care plan you are free from paying for your visits to the dentist
but you cannot choose your own practitioner.
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Drug Coverage
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Normally health
insurances or medical insurances provide drug coverage. This coverage
will pay a part of the costs for your prescribed drugs or medicines.
This can be achieved only in certain chemist’s shops. If you your
drug costs are very high then it is beneficial to obtain the drug
coverage.
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Deferred Annuity
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A kind of retirement account, which will help you receive a steady
income even after retirement. There are two kinds the fixed, deferred
annuity and the variable deferred annuity. Deferred annuity has two
phases, savings and investment is one phase, the retirement income
is the other phase. The first phase helps in accumulating assets,
while the second phase lets you choose the income type.
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Delta Dental
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This organization provides dental services like HMO, PPO and other
services for groups, families and individuals.
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Deductible
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A deductible is the amount paid by the insurer and not
by his insurance company. Small minor charges, sometimes has to be
paid without the help of the insurance company, but once if an insurer
pays his deductible, he is eligible to claim full protection from
his insurance
company.
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Death Benefits
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Death
benefits provide the invested amount to the beneficiary if the
insured person dies.
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Disability Benefits Law
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Under this law, the employer has to provide his employees maximum
weekly benefits. The employer must extend his cooperation hand to
the employee for filing his claims.
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Defined Benefit Plan
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This plan may be a company retirement plan, where the retired employee
would get a proper defined amount. And this amount is calculated based
on the employee’s years of service.
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contact insurance brokers John
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