Benefits Glossary
Search and learn about common benefit terms and definitions
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Medical Coverage
Formulary
Medical CoverageA list of prescription drugs covered by your insurance plan, organized by cost tiers.
HDHP (High Deductible Health Plan)
Medical CoverageA health plan with a higher deductible and lower premiums. Required to open an HSA. Generally covers preventive care at 100% before the deductible.
HMO (Health Maintenance Organization)
Medical CoverageA plan that requires you to use in-network providers and get referrals to see specialists.
PPO (Preferred Provider Organization)
Medical CoverageA plan that offers flexibility to see any provider, with lower costs for in-network care.
Preventive Care
Medical CoverageRoutine healthcare to prevent illness, like annual checkups and vaccinations. Often covered at 100%.
Primary Care Physician (PCP)
Medical CoverageYour main doctor who provides routine care and coordinates specialist referrals.
Referral
Medical CoverageA written order from your primary care doctor for you to see a specialist. Required in HMO plans.
Specialist
Medical CoverageA doctor who focuses on a specific area of medicine, like cardiology or orthopedics.