This document defines over 100 terms related to health, relationships, and human development. It covers topics such as anatomy, sexual health, HIV/AIDS, substance abuse, communication, decision making, and family relationships. The definitions provide information on medical conditions, behaviors, relationships concepts, and other terminology important for understanding wellness.

1. VOCABULARY
RELATEDS TO HEALTH
Abandonment : removing oneself from those whose care is one’s responsibility.
Abstinence from sex (2,5): choosing not to be sexually active.
Abuse (2): the harmful treatment of another person.
Acquired Immune Deficiency Syndrome (AIDS) (8): a condition that results when
infection with HIV causes a breakdown of the body’s ability to fight other infections.
Active listening (1): a type of listening in which you let others know that you heard and
understood what was said.
Addiction (3): a compelling need to continue a harmful behavior.
Affection (5): a fond or tender feeling for another person.
AIDS dementia (8): a loss of brain function caused by HIV infection.
Anemia (6): a condition in which the oxygen-carrying pigment in the blood is below
normal.
AZT (8): a drug that slows down the rate at which HIV multiples.
Balanced relationship (2): a relationship in which there is an exchange of giving and
getting.
Bonding (6): a process in which people develop a feeling of closeness.
Breast self-examination (4): a monthly check for lumps and changes in the breasts.
Calculated risk (3): a chance that is worth taking after you consider the possible
outcomes.
Cervix (4): the lower part of the uterus that connects to the vagina.
Childbirth (6): the process by which the baby moves from the uterus out of the mother’s
body.
Chlamydia (7): an STD that produces inflammation of the reproductive organs. Circumcision (4):
the surgical removal of the foreskin.
Citizenship (2): following the laws of your community and nation.
Commitment (6): a pledge or promise to do something.
Communication (1): the sharing of feelings, thoughts, and information with others.
1

2. VOCABULARY
Complication (7): something serious that happens as a result of having had a condition
or disease.
Conception (6): the fertilization of the ovum by the sperm.
Conflict resolution skills (1): steps to resolve a disagreement in a responsible and
nonviolent way.
Conscience (2): your inner sense of right and wrong.
Control freak (2): a person who wants all the power in a relationship.
Corpus luteum (4): a temporary gland that secretes progesterone.
Courage (2): showing strength when you might otherwise be afraid.
Cowper’s glands (4): two small glands that secrete a clear fluid into the urethra.
Cure (7): a way of getting rid of a disease or condition.
DDI (8): a drug that slows down the rate at which HIV multiplies.
Delay gratification (5): to put off doing something pleasurable until the appropriate
time.
Determination (2): working hard to get what you want.
Diagnosis (7): the determination of a person’s condition after testing or observation.
Divorce (3): a legal way to end a marriage.
Domestic violence (3): violence that occurs within a family.
Doormat (2): a person who gives up all the power in a relationship.
Drug-free lifestyle (5): a lifestyle in which you do not misuse and abuse drugs.
Drug dependence (3): the compelling need to take a drug even though it harms the
body, mind, and relationships.
Drug slipping (5): placing a drug into someone’s food or beverage without that person‘s
knowledge.
Ectopic pregnancy (7): the implantation of the fertilized egg somewhere other than in
the uterus.
Ejaculation (4): the passage of semen from the penis.
2

3. VOCABULARY
ELISA (8): a test used on body fluids to check for HIV antibodies.
Emotional abuse (2): putting down another person and making that person feel
worthless.
Empathy (1): the ability to share in another person’s feelings.
Epididymis (4): a structure on the top of the testes where sperm mature.
Erection (4): a process that occurs when the penis swells with blood and elongates.
Estrogen (4): a hormone that produces female secondary sex characteristics and affects
menstruation.
Fairness (2): following rules so everyone has the same chance.
Fallopian tube (4): a four-inch long tube through which ova move from an ovary to the
uterus.
Family guidelines (3): rules set by your parents or guardians that help you know how to
act.
Family round table (1): a special time when family members meet as a group to discuss
important topics, share feelings, discuss decisions, and encourage each other to show
good character.
Family values (5): beliefs that strengthen family bonds.
Faulty thinking (5): a thought process in which you deny facts or believe wrong facts.
Female reproductive system (4): the organs in the female body that are involved in
producing offspring.
Fetal alcohol syndrome (6): birth defects in a baby born to a mother who drank alcohol
during pregnancy.
Follicle (4): a pouch that holds an ovum, or egg.
Follicle stimulating (4): a hormone secreted by the pituitary gland.
Genital herpes (7): an STD that produces cold sores or fever blisters in the genital area
and mouth.
Genital warts (7): an STD that produces wart-like growths on the genitals.
Gonorrhea (7): an STD that infects the lining of the genital and urinary tracts.
Good character (2): the use of self-control to act on responsible values.
3

4. VOCABULARY
Guidelines for Making Responsible Decisions
TM
(2): six questions to ask to
make sure your decision is healthful, is safe, follows rules and laws, shows respect for
yourself and others, follows your family’s guidelines, and shows good character.
Healthful family relationships (3): relationships in which family members relate well,,
show respect for each other, and behave in responsible ways.
Healthful relationships (1): relationships that promote mutual respect and responsible
behavior.
HIV negative (8): a term used to describe a person who does not have HIV antibodies in
the blood.
HIV positive (8): a term used to describe a person who has HIV antibodies in the blood.
HIV status (8): the result of testing for HIV antibodies in the blood.
Honest talk (1): the straightforward sharing of thoughts and feelings.
Honesty (2): refusing to lie, steal, or deceive anyone.
Hormone (4): a chemical messenger that is released directly into the bloodstream.
Human immunodeficiency virus (HIV) (8): a pathogen that destroys infection-fighting
T cells in the body.
I-message (1): a statement that contains a specific behavior or event, the effect of the
behavior or event on you, and the feeling that results.
Impotence (4): the inability to get and keep an erection.
Infertile (6): to be incapable of producing offspring.
Injecting drug user (8): a person who injects illegal drugs into the body with syringes,
needles, or other injection equipment.
Integrity (2): acting on responsible values regardless of the consequences.
Kaposi’s sarcoma (8): a type of cancer in people who have AIDS.
Labor (6): a series of changes that result in the birth of a baby.
Low birth weight (6): a weight at birth that is less than 5.5 pounds (2.5 kilograms)
Male reproductive system (4): the organs in the male body that are involved in
producing offspring.
4

5. VOCABULARY
Marital separation (3): a time when a married couple lives apart and tries to solve
problems.
Marriage (6): an emotional and legal commitment made by a couple.
Menstrual cycle (4): a monthly cycle that involves ovulation, change in uterine lining,
and menstruation.
Menstruation (4): the “period” or time during which the menstrual flow leaves the
body.
Mentor (2): a responsible person who guides another person.
Miscarriage (6): a natural early ending of a pregnancy.
Mixed message (1): a message that conveys two different meanings.
Monogamous traditional marriage (6): a marriage in which a husband and wife have
sex with only one another.
Mood swings (4): emotional ups and downs caused by changing hormone levels.
Neglect (2): failure to provide proper care and guidance.
Nonverbal communication (1): the use of actions instead of words to express your
thoughts and feelings.
One-sided relationship (2): a relationship in which one person has most of the power.
Opportunistic infections (8): infections that develop when a person has a weak immune
system.
Ovaries (4): two glands that produce estrogen and ova.
Ovulation (4): the release of a mature ovum from an ovary.
Pap smear (4): a screening test for cancer of the cervix.
Pay back (2): to make restitution to a person you have harmed.
Pay forward (2): to make restitution to society.
Peer pressure (2): the effort other teens make to influence you.
Pelvic inflammatory disease (PID) (7): a serious infection of the internal female
reproductive system.
Penis (4): the male sex organ used for reproduction and urination.
5

6. VOCABULARY
Physical abuse (2): harmful treatment that results in physical injury.
Placenta (6): a structure that attaches the ovum to the inner wall of the uterus.
Pneumocystis carnii pneumonia (PCP) (8): a type of pneumonia found in people who
have AIDS.
Pregnancy (6): the time between conception and birth.
Premature birth (6): the birth of a baby before it is fully developed or the birth of a
baby less than 38 weeks from the time of conception.
Premature death (3): a death that occurs before a person reaches his or her life
expectancy.
Prenatal care (6): care that is given to a mother-to-be and her developing baby.
Progesterone (4): a hormone that increases blood flow to the lining of the uterus.
Prostate gland (4): a gland that produces fluid that helps keep sperm alive.
Protease inhibitors (8): antiviral drugs that decrease the amount of HIV in the blood
and increase the T cell count.
Puberty (4): the stage of growth and development when the body becomes capable of
producing offspring.
Pubic lice (7): an infestation of the pubic hair by pubic or crab lice.
Punishment (2): a penalty for wrongdoing.
Rape (5): having sex with a person who has not given or is not capable of giving
consent.
Recovery program (3): a group that provides support to members who want to change
their behavior.
Remarriage (3): a marriage in which a person who was married before marries again.
Reputation (2): the quality of your character as judged by others.
Resistance skills (2): skills that help you say NO to an action or to leave a situation.
Respect (2): having a high regard for someone.
Responsibility (1): being accountable for what you say and do.
Responsible value (2): a belief that guides you to act in responsible ways.
6

7. VOCABULARY
Restitution (2): making good for any loss or damage.
Scrotum (4): the sac-like pouch that holds the testes and helps regulate their
temperature.
Secondary sex characteristics (4): physical and emotional changes that occur during
puberty.
Self-control (2): the effort you make to resist temptation.
Self-discipline (2): the effort you make to follow through.
Self-respect (2): the high regard you have for yourself when you behave in responsible
ways.
Self-sufficient (5): to have the skills and financial resources to care for yourself.
Semen (4): a mixture of sperm and fluids from the seminal vesicles, prostate gland, and
Cowper’s glands.
Seminal vesicles (4): two small glands that secrete a fluid rich in sugar that nourishes
and helps sperm move.
Sex role (3): the actions, feelings, and attitudes you have because you are male or
female.
Sexual abuse (2): sexual contact that is forced on a person.
Sexual feelings (5): feelings that result from an attraction to another person.
Sexually transmitted disease (STD) (7): a disease caused by pathogens that are
transmitted from an infected person to an uninfected person during intimate sexual
contact.
Smegma (4): dead skin and secretions that collect under the foreskin.
Sorry (2): an expression of apology or regret.
Sperm (4): male reproductive cells.
Stepfamily (3): a family that consists of marriage partners, their children from their
previous marriages, and children they have together.
Sterility (7): the inability to produce offspring.
Stress (3): the body’s reaction to the demands of daily living.
Symptom (7): a change in a body function from the normal pattern.
7

8. VOCABULARY
Syphilis (7): an STD that produces chancres in the genital area and damage to organs if
untreated.
Testes (4): two glands that produce testosterone and sperm.
Testicular self-examination (TSE) (4): a check for lumps and tenderness in the testes.
Testosterone (4): a hormone that produces male secondary sex characteristics.
Toxemia of pregnancy (6): a disorder of pregnancy characterized by high blood
pressure, tissue swelling, and protein in the urine.
Toxic shock syndrome (TSS) (4): a severe illness resulting from toxins secre3ted by
Staphylococcus bacteria.
Transmit (7): to cause something to spread.
Treatment (7): what is done to improve a condition or disease.
Trichomoniasis (7): an STD that infects the urethra in males and the vagina in females.
Umbilical cord (6): a rope-like cord that connects the developing baby to the placenta.
Universal precautions (7): steps taken to keep from having contact with pathogens in
body fluids.
Unnecessary risk (3): a chance that is not worth taking after you consider the possible
outcomes.
Urethra (4): a narrow tube through which urine and semen pass out of the body.
Uterus (4): a muscular organ that receives and supports a fertilized ovum during
pregnancy.
Vagina (4): a muscular tube that connects the uterus with the outside of the body.
Vas deferens (4): one of two long, thin tubes that act as passageways for sperm and a
place for sperm storage.
Violence (3): the use of threats and physical force with the purpose of causing harm.
Viral hepatitis (7): a viral infection of the liver.
Western blot (8): a test used to confirm ELISA.
http://www.hssd.k12.wi.us/bayview/staff/knutson/pdf/vocabularywords.pdf
8

9. VOCABULARY
Health Insurance Glossary
Definitions of common health insurance industry terms.
Actuary: A mathematician working for a health insurance company responsible for determining what
premiums the company needs to charge based in large part on claims paid verses amounts of premium
generated. Their job is to make sure a block of business is priced to be profitable.
Admitting Privileges: The right granted to a doctor to admit patients to a particular hospital.
Advocacy: Any activity done to help a person or group to get something the person or group needs or wants.
Agent: Licensed salespersons who represent one or more health insurance companies and presents their
products to consumers.
Association: A group. Often, associations can offer individual health insurance plans specially designed for
their members.
B
Benefit: Amount payable by the insurance company to a claimant, assignee, or beneficiary when the insured
suffers a loss.
Brand-name drug: Prescription drugs marketed with a specific brand name by the company that
manufactures it, usually the company which develops and patents it. When patents run out, generic versions of
many popular drugs are marketed at lower cost by other companies. Check your insurance plan to see if
coverage differs between name-brand and their generic twins.
Broker: Licensed insurance salesperson who obtains quotes and plan from multiple sources information for
clients.
C
Capitation: Capitation represents a set dollar limit that you or your employer pay to a health maintenance
organization (HMO), regardless of how much you use (or don't use) the services offered by the health
maintenance providers. (Providers is a term used for health professionals who provide care. Usually providers
refer to doctors or hospitals. Sometimes the term also refers to nurse practitioners, chiropractors and other
health professionals who offer specialized services.)
Carrier: The insurance company or HMO offering a health plan.
Case Management: Case management is a system embraced by employers and insurance companies to
ensure that individuals receive appropriate, reasonable health care services.
Certificate of Insurance: The printed description of the benefits and coverage provisions forming the contract
between the carrier and the customer. Discloses what it covered, what is not, and dollar limits.
Claim: A request by an individual (or his or her provider) to an individual's insurance company for the
insurance company to pay for services obtained from a health care professional.
Co-Insurance: Co-insurance refers to money that an individual is required to pay for services, after a
deductible has been paid. In some health care plans, co-insurance is called "co-payment." Co-insurance is
often specified by a percentage. For example, the employee pays 20 percent toward the charges for a service
and the employer or insurance company pays 80 percent.
Co-Payment: Co-payment is a predetermined (flat) fee that an individual pays for health care services, in
addition to what the insurance covers. For example, some HMOs require a $10 "co-payment" for each office
visit, regardless of the type or level of services provided during the visit. Co-payments are not usually specified
by percentages.
COBRA: Federal legislation that lets you, if you work for an insured employer group of 20 or more employees,
continue to purchase health insurance for up to 18 months if you lose your job or your coverage is otherwise
terminated. For more information, visit the Department of Labor.
Credit for Prior Coverage: This is something that may or may not apply when you switch employers or
insurance plans. A pre-existing condition waiting period met under while you were under an employer's
(qualifying) coverage can be honored by your new plan, if any interruption in the coverage between the two
plans meets state guidelines.
D
Deductible: The amount an individual must pay for health care expenses before insurance (or a self-insured
company) covers the costs. Often, insurance plans are based on yearly deductible amounts.
9

10. VOCABULARY
Denial Of Claim: Refusal by an insurance company to honor a request by an individual (or his or her provider)
to pay for health care services obtained from a health care professional.
Dependent Worker: A worker in a family in which someone else has greater personal income.
Dependents: Spouse and/or unmarried children (whether natural, adopted or step) of an insured.
E
Effective Date: The date your insurance is to actually begin. You are not covered until the policies effective
date.
Employee Assistance Programs (EAPs): Mental health counseling services that are sometimes offered by
insurance companies or employers. Typically, individuals or employers do not have to directly pay for services
provided through an employee assistance program.
Exclusions: Medical services that are not covered by an individual's insurance policy.
Explanation of Benefits: The insurance company's written explanation to a claim, showing what they paid
and what the client must pay. Sometimes accompanied by a benefits check.
G
Generic Drug: A "twin" to a "brand name drug" once the brand name company's patent has run out and other
drug companies are allowed to sell a duplicate of the original. Generic drugs are cheaper, and most
prescription and health plans reward clients for choosing generics.
Group Insurance: Coverage through an employer or other entity that covers all individuals in the group.
H
Health Care Decision Counseling: Services, sometimes provided by insurance companies or employers, that
help individuals weigh the benefits, risks and costs of medical tests and treatments. Unlike case management,
health care decision counseling is non-judgmental. The goal of health care decision counseling is to help
individuals make more informed choices about their health and medical care needs, and to help them make
decisions that are right for the individual's unique set of circumstances.
Health Maintenance Organizations (HMOs): Health Maintenance Organizations represent "pre-paid" or
"capitated" insurance plans in which individuals or their employers pay a fixed monthly fee for services, instead
of a separate charge for each visit or service. The monthly fees remain the same, regardless of types or levels
of services provided, Services are provided by physicians who are employed by, or under contract with, the
HMO. HMOs vary in design. Depending on the type of the HMO, services may be provided in a central facility,
or in a physician's own office (as with IPAs.)
HIPAA: A Federal law passed in 1996 that allows persons to qualify immediately for comparable health
insurance coverage when they change their employment or relationships. It also creates the authority to
mandate the use of standards for the electronic exchange of health care data; to specify what medical and
administrative code sets should be used within those standards; to require the use of national identification
systems for health care patients, providers, payers (or plans), and employers (or sponsors); and to specify the
types of measures required to protect the security and privacy of personally identifiable health care. Full name
is "The Health Insurance Portability and Accountability Act of 1996."
I
In-network: Providers or health care facilities which are part of a health plan's network of providers with which
it has negoiated a discount. Insured individuals usually pay less when using an in-network provider, because
those networks provide services at lower cost to the insurance companies with which they have contracts.
Indemnity Health Plan: Indemnity health insurance plans are also called "fee-for-service." These are the
types of plans that primarily existed before the rise of HMOs, IPAs, and PPOs. With indemnity plans, the
individual pays a pre-determined percentage of the cost of health care services, and the insurance company
(or self-insured employer) pays the other percentage. For example, an individual might pay 20 percent for
services and the insurance company pays 80 percent. The fees for services are defined by the providers and
vary from physician to physician. Indemnity health plans offer individuals the freedom to choose their health
care professionals.
Independent Practice Associations: IPAs are similar to HMOs, except that individuals receive care in a
physician's own office, rather than in an HMO facility.
Individual Health Insurance: Health insurance coverage on an individual, not group, basis. The premium is
usually higher for an individual health insurance plan than for a group policy, but you may not qualify for a
group plan.
L
10

11. VOCABULARY
Lifetime Maximum Benefit (or Maximum Lifetime Benefit): the maximum amount a health plan will pay in
benefits to an insured individual during that individual's lifetime.
Limitations: a limit on the amount of benefits paid out for a particular covered expense, as disclosed on the
Certificate of Insurance.
Long-Term Care Policy: Insurance policies that cover specified services for a specified period of time. Long-
term care policies (and their prices) vary significantly. Covered services often include nursing care, home
health care services, and custodial care.
Long-term Disability Insurance: Pays an insured a percentage of their monthly earnings if they become
disabled.
LOS: LOS refers to the length of stay. It is a term used by insurance companies, case managers and/or
employers to describe the amount of time an individual stays in a hospital or in-patient facility.
M
Managed Care: A medical delivery system that attempts to manage the quality and cost of medical services
that individuals receive. Most managed care systems offer HMOs and PPOs that individuals are encouraged to
use for their health care services. Some managed care plans attempt to improve health quality, by
emphasizing prevention of disease.
Maximum Dollar Limit: The maximum amount of money that an insurance company (or self-insured
company) will pay for claims within a specific time period. Maximum dollar limits vary greatly. They may be
based on or specified in terms of types of illnesses or types of services. Sometimes they are specified in terms
of lifetime, sometimes for a year.
Medigap Insurance Policies: Medigap insurance is offered by private insurance companies, not the
government. It is not the same as Medicare or Medicaid. These policies are designed to pay for some of the
costs that Medicare does not cover.
Multiple Employer Trust (MET): A trust consisting of multiple small employers in the same industry, formed
for the purpose of purchasing group health insurance or establishing a self-funded plan at a lower cost than
would be available to each of the employers individually.
N
Network: A group of doctors, hospitals and other health care providers contracted to provide services to
insurance companies customers for less than their usual fees. Provider networks can cover a large geographic
market or a wide range of health care services. Insured individuals typically pay less for using a network
provider.
O
Open-ended HMOs: HMOs which allow enrolled individuals to use out-of-plan providers and still receive
partial or full coverage and payment for the professional's services under a traditional indemnity plan.
Out-of-Plan (Out-of-Network): This phrase usually refers to physicians, hospitals or other health care
providers who are considered nonparticipants in an insurance plan (usually an HMO or PPO). Depending on
an individual's health insurance plan, expenses incurred by services provided by out-of-plan health
professionals may not be covered, or covered only in part by an individual's insurance company.
Out-Of-Pocket Maximum: A predetermined limited amount of money that an individual must pay out of their
own savings, before an insurance company or (self-insured employer) will pay 100 percent for an individual's
health care expenses.
Outpatient: An individual (patient) who receives health care services (such as surgery) on an outpatient basis,
meaning they do not stay overnight in a hospital or inpatient facility. Many insurance companies have identified
a list of tests and procedures (including surgery) that will not be covered (paid for) unless they are performed
on an outpatient basis. The term outpatient is also used synonymously with ambulatory to describe health care
facilities where procedures are performed.
P
Plan Administration: Supervising the details and routine activities of installing and running a health plan, such
as answering questions, enrolling individuals, billing and collecting premiums, and similar duties.
Pre-Admission Certification: Also called pre-certification review, or pre-admission review. Approval by a
case manager or insurance company representative (usually a nurse) for a person to be admitted to a hospital
or in-patient facility, granted prior to the admittance. Pre-admission certification often must be obtained by the
individual. Sometimes, however, physicians will contact the appropriate individual. The goal of pre-admission
certification is to ensure that individuals are not exposed to inappropriate health care services (services that
are medically unnecessary).
Pre-Admission Review: A review of an individual's health care status or condition, prior to an individual being
admitted to an inpatient health care facility, such as a hospital. Pre-admission reviews are often conducted by
11

12. VOCABULARY
case managers or insurance company representatives (usually nurses) in cooperation with the individual, his
or her physician or health care provider, and hospitals.
Pre-existing Conditions: A medical condition that is excluded from coverage by an insurance company,
because the condition was believed to exist prior to the individual obtaining a policy from the particular
insurance company.
Preadmission Testing: Medical tests that are completed for an individual prior to being admitted to a hospital
or inpatient health care facility.
Preferred Provider Organizations (PPOs): You or your employer receive discounted rates if you use doctors
from a pre-selected group. If you use a physician outside the PPO plan, you must pay more for the medical
care.
Primary Care Provider (PCP): A health care professional (usually a physician) who is responsible for
monitoring an individual's overall health care needs. Typically, a PCP serves as a "quarterback" for an
individual's medical care, referring the individual to more specialized physicians for specialist care.
Provider: Provider is a term used for health professionals who provide health care services. Sometimes, the
term refers only to physicians. Often, however, the term also refers to other health care professionals such as
hospitals, nurse practitioners, chiropractors, physical therapists, and others offering specialized health care
services.
R
Reasonable and Customary Fees: The average fee charged by a particular type of health care practitioner
within a geographic area. The term is often used by medical plans as the amount of money they will approve
for a specific test or procedure. If the fees are higher than the approved amount, the individual receiving the
service is responsible for paying the difference. Sometimes, however, if an individual questions his or her
physician about the fee, the provider will reduce the charge to the amount that the insurance company has
defined as reasonable and customary.
Rider: A modification made to a Certificate of Insurance regarding the clauses and provisions of a policy
(usually adding or excluding coverage).
Risk: The chance of loss, the degree of probability of loss or the amount of possible loss to the insuring
company. For an individual, risk represents such probabilities as the likelihood of surgical complications,
medications' side effects, exposure to infection, or the chance of suffering a medical problem because of a
lifestyle or other choice. For example, an individual increases his or her risk of getting cancer if he or she
chooses to smoke cigarettes.
S
Second Opinion: It is a medical opinion provided by a second physician or medical expert, when one
physician provides a diagnosis or recommends surgery to an individual. Individuals are encouraged to obtain
second opinions whenever a physician recommends surgery or presents an individual with a serious medical
diagnosis.
Second Surgical Opinion: These are now standard benefits in many health insurance plans. It is an opinion
provided by a second physician, when one physician recommends surgery to an individual.
Short-Term Disability: An injury or illness that keeps a person from working for a short time. The definition of
short-term disability (and the time period over which coverage extends) differs among insurance companies
and employers. Short-term disability insurance coverage is designed to protect an individual's full or partial
wages during a time of injury or illness (that is not work-related) that would prohibit the individual from working.
Short-Term Medical: Temporary coverage for an individual for a short period of time, usually from 30 days to
six months.
Small Employer Group: Generally means groups with 1 99 employees. The definition may vary between
states.
State Mandated Benefits: When a state passes laws requiring that health insurance plans include specific
benefits.
Stop-loss: The dollar amount of claims filed for eligible expenses at which which point you've paid 100 percent
of your out-of-pocket and the insurance begins to pay at 100%. Stop-loss is reached when an insured
individual has paid the deductible and reached the out-of-pocket maximum amount of co-insurance.
T
Triple-Option: Insurance plans that offer three options from which an individual may choose. Usually, the
three options are traditional indemnity, an HMO, and a PPO.
U
Underwriter: The company that assumes responsibility for the risk, issues insurance policies and receives
premiums.
12

13. VOCABULARY
Usual, Customary and Reasonable (UCR) or Covered Expenses: An amount customarily charged for or
covered for similar services and supplies which are medically necessary, recommended by a doctor, or
required for treatment.
W
Waiting Period: A period of time when you are not covered by insurance for a particular problem.
http://www.healthinsurance.org/glossary/
Health > Feelings
http://www.vocabularya-z.com/vocabweb/frontpage.do?topicId=120
afraid
alone
angry
bad
brave
careful
excited
13
adamant
aggressive
agonize
alarmed
amazed
amazement
anticipation
anxious
apprehension
ashamed
awful
bewildered
blissful
bored
cautious
comfortable
compassion
confident
confused
content
contentment
courage
cranky
crazy
criticism
delighted
depressed
desperate
despise
devotion
disappointed
discouraged
disgusted
disgusting
dismal
dismay
displeasure
doubt
downhearted
dreadful
elated
embarrassed
emotion
enraged
enthusiasm
enthusiastic
entranced
envy
exhausted
express
fantastic
fascinated
fearless
fearsome
flattered
forlorn
friendly
frightened
frustrated
furious
furiously
glorious
glum
grumble
guilty
helpless
homesick
hopeful
humiliated
impatient
indebted
indifferent
intense
jealous
jittery
joyful
lonely
lonesome
lovesick
mature
mischievous
miserable
mood
mournful
moved
nasty
nervous
numb
oblivious
obnoxious
obsessed
offend
optimistic
ordinary
overjoyed
overwhelmed
panic
passion
perplexed
pessimistic
petrified
pleasant
puzzled
rambunctious
relieved
reluctant
resentment
respect
responsibility
restless
revulsion
sadness
satisfied
sensible
sentimental
serious
sheepish
shocked
smitten
smug
solemn
somber
strange
stress
stubborn
stunned
stupefied
sullen
surprised
suspicious
sympathy
tense
terror
thankful
thrilled
timid
tolerance
tranquil
uneasy
wonderful
worry
apathetic
disdain
dismissive
ecstatic
empathy
enraptured
exasperated
flabbergasted
implacable
incorrigible
incredulous
irascible
morose
phenomenal
repentant
resigned

14. VOCABULARY
face
fear
feelings
fine
fun
glad
good
great
grief
grumpy
happy
hate
hope
hungry
hurt
jolly
joy
kind
love
mad
mean
nice
proud
sad
scared
sick
silly
sleepy
sorry
terrible
thirsty
tired
unhappy
unkind
upset
worried
14