Common health insurance terms

When you're choosing a health plan that's offered by your employer, you'll run across terms and phrases that may be unfamiliar to you. Understanding these common health insurance terms can help as you decide on coverage for the coming year. 

Topics

Coverage terms

What's covered under each plan varies. Here are some common terms to know about coverage.

Cost terms

No matter which health insurance plan you choose, you and your plan will share costs of your care. When comparing plans, knowing these cost terms will help you understand what costs you're responsible for and when.

Prescription drug coverage terms

The plans you're considering may offer prescription drug coverage. Knowing these terms may help you understand how your medication coverage works.

Types of health plans

There are many types of health plans. Each of them works a little differently. Here are some of the most common plans you'll find.

Enrollment terms

When it's time to enroll or change your plan, you'll want to know these common terms.

Picking a plan

Choosing UnitedHealthcare

UnitedHealthcare helps you balance cost and coverage.

Checklist to pick a plan

Find the right plan for you with this checklist.

Getting married checklist

Decide which plans are right for you and your spouse.

Having a baby checklist

Understand what plan coverage you may need for pregnancy and delivery.

Changing health needs checklist

Consider what plan coverage you may need for your health condition.

Health insurance made easier

Understanding coverage

How to plan for the coverage you need.

Sharing costs

See how you and your plan share costs.

Terms to know

Start talking the talk—and understand what it means for you.