A type of insurance coverage that pays for medical expenses incurred by the insured. A system that has contracts with healthcare providers to purchase health insurance for its employees. The written authorization from a member's primary care physician to receive care from a different contracted healthcare professional. The amount a member of a plan must pay prior to insurance kicking in. A jointly funded health insurance program that helps many people who can't afford medical care pay for some or at of their medical bilk. The federal health insurance program in America for people who are 65 and over or for certain people with disabilities. Policy that limits the amount of out-of-pocket money paid when meeting the coinsurance. An eligble person-other than the member who has heslthcare benefits under the member's policy