A flat dollar amount that an individual must pay for covered services before the insurance company will begin to make payments. Dementia Deterioration of intellectual faculties due to a disorder of the brain. Elimination Period A type of deductible. It is the length of time an individual must pay for covered services before the insurance company will begin to make payments. Group Policy A policy sold through an employment-based group, association or special group insurance trust.
Individuals receive certificates of coverage from the group policy.
These policies are not subject to most state insurance requirements. Guaranteed Renewable Policy feature guaranteeing the insured's right to continue a policy. Home Care Services Household services done by someone other than yourself because you're unable to do them. Home Health Care Services for occupational, physical, respiratory, speech therapy or nursing care. Also included are medical, social worker and home health aide services.