Full insurance: An insurer collects premiums from a group of employers or an individual and assumes the financial risk for the medical expenses incurred. The employer or individual does not bear any risk. In 1941, the insurance industry has begun to move to the current system, in which the risks covered are first generally defined in an “all risk” or “all sums” in order to guarantee a general insurance agreement (e.g.B. “We pay all amounts that the insured has legally been required to pay for damages”), and then are limited by subsequent exclusion clauses (e.g. B “This insurance does not apply”).  If the insured wants coverage for a risk taken by an exclusion on the standard form, the insured may sometimes pay an additional premium for the approval of the policy that suspends the exclusion. Provider Of Access Providers (OPP): a system in which a payer negotiates lower prices with certain doctors and hospitals. Patients who visit a preferred (or networked) provider enjoy higher benefits – for example, 90 percent or 100% coverage of their costs than patients who go outside the network. A fee contribution is the amount a person must pay for an item or medical benefit (for example.
B hospitalization, medical visit or prescription) covered by his health insurance. Plans generally have three different types of cost-sharing fees: deductible, supplement and co-insurance, although not all plans include each of these three types of cost sharing. As noted above, insurers generally negotiate with physicians, hospitals and other health care providers in the health care provider network of the health insurance plan, the amount they will pay for covered health care costs. These negotiated amounts are referred to as “eligible amount” and sometimes “eligible expenses” or “negotiated rates.” Health care providers participating in a plan network agree to accept these payment amounts when a person covered by the plan uses their reassignment services. The cost-sharing costs due by the registrant (for example. B a co-inssurance rate of 20%) based on this amount allowed. When a participant uses a provider that is not in the plan network, the total fee may be more than the amount allowed.