Health Insurance Terms


Individual Health Insurance

Individual health insurance is a policy purchased by an individual for themselves and their family based upon personal needs and budget -- just like car insurance. In fact, due to changes in health reform, more people than ever before are enrolling in individual health insurance policies. Health Insurance can be tailored to meet your specific needs and provides coverage for Routine visits, catastrophic events, prescription drugs, and other typical medical necessities.


Group Health Insurance

Group health insurance is a type of medical insurance policy for employees or members of a company or organization. A group health insurance plan typically provides health insurance coverage to its members at a lower cost since the risk to health insurers is spread across the members of the group health plan. The members of the group will enjoy many of the same benefits afforded under a typical Individual Health Plan and may also include additional or enhanced benefits that are not typical to an individual plan.


Dental Insurance

Dental plans include coverage for preventive care like routine exams, cleanings, and X-rays. It depends on the plan you choose, but preventive services are typically covered and many dental plans also include coverage for basic services like fillings and extractions, and major services like root canals, crowns, and more.


Vision Insurance 

Typically designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK. But unlike major medical insurance policies that may provide unlimited benefits after certain co-pays and deductibles are met, most vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.