What does each of these statements describe?

1- A flat amount of that the insured must pay for certain health care services.

2- A network of healthcare providers for which insurance companies would provide covered medical services to policyholders at discounted fees.

3- The inability to perform the main duties of ones regular job because of an injury or an illness.

4- If the insured is totally disabled for a specific period of time, premiums are not required to be paid and the insurance coverage will remain as if they are paid.