The amount an individual must pay for covered benefits before the insurance company covers the costs. Deductibles are usually an annual payment, and each insurance company has a different approach to using deductibles. Some deductibles may cover a comprehensive benefits plan, while other plans have separate deductibles for specific benefits such as prescription drugs.

Denial of Claim

A refusal of an insurance company to honor a request from a policy-holder or their provider to pay for the services of that provider.

Dependent Coverage

Insurance coverage for family members of the individual whose name is on the plan, such as spouses, children, or partners.


A limit on general life activities, such as seeing, hearing, walking, and performing tasks like thinking and working. Different insurance companies and programs have different disability standards, so it is important to know how your insurance program or plan regards a disability.



1. HealthInsurance.org, “Health insurance glossary”. http://www.healthinsurance.org/glossary/

2. HealthCare.gov, “Glossary – D”. http://www.healthcare.gov/glossary/d/index.html