D
deductible
A flat amount the insured must pay before the plan will begin to pay eligible costs that are subject to the deductible. Copays typically do not count towards a plan's deductible.
Dental
Some health plans offer dental care as an optional benefit or rider that you or your employees may decide to add at an additional cost. If you'd like to purchase a supplemental dental plan, please contact us by e-mail at salessupport@healthinsurance.com or call us at .
dental -- benefits
Some health plans offer dental care as an optional benefit or rider that you or your employees may decide to add at an additional cost.
dependent
A person for whom the insured has some legal obligation to. For most plans, it is the insured's spouse and/or children. Some plans also allow non-traditional spousal relationships (significant other, life-partner, etc.) to be considered a dependent with some additional certifying paperwork.
domestic partner
Domestic partners are commonly defined as "two adults who share an emotional, physical and financial relationship similar to that of a married couple but who either choose not to marry or cannot legally marry. They share a mutual obligation of support for the basic necessities of life." Additionally, some carriers may require that domestic partners own property together to qualify.
dual choice
Dual choice allows an employer to offer his employees not one, but two health plans. Instead of picking the least expensive plan for all employees, Dual Choice lets employees choose the type of plan that best meets their needs or budgets. Usually, this is a choice of an HMO and PPO, or HMO and POS. The employer will typically pay a portion of the premium in these plans, and the employee will pay the balance. Here are a few approaches: - An employer may pay for the lower cost plan and employees may buy up to the more expensive plan.
- An employer may pay a set amount per month for every employee.
- An employer may charge all employees the same amount and pay the balance, regardless of the plan each employee selects.
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