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Health Insurance Marketplace Glossary

The most common benefits and health insurance terms

Insurance Premium
What is an insurance premium?
Insurance effective date
What is an insurance effective date?
Medical Insurance
What is Medical Insurance?
Dental Insurance
What is Dental Insurance?
Vision Insurance
What is Vision Insurance?
Health Insurance
What is Health Insurance?
Contribution Scheme
What is a Contribution Scheme?
Preferred Provider Organization PPO
What is a Preferred Provider Organization PPO
Health Maintenance Organization HMO
What is a Health Maintenance Organization HMO
Exclusive Provider Organization EPO
What is an Exclusive Provider Organization EPO?
Point of Service POS
What is a Point of Service POS plan?
High Deductible Health Plan HDHP
What is a High Deductible Health Plan HDHP?
Primary Care Physician PCP
What is a Primary Care Physician PCP?
Co Insurance
What is Co Insurance?
Co Payment
What is a Co Payment?
Deductible
What is a Deductible?
Formulary
What is a Formulary?
Health Savings Account HSA
What is a Health Savings Account HSA?
Flexible Savings Account FSA
What is a Flexible Savings Account FSA?
Commuter Benefits
What are Commuter Benefits?
Health Insurance Networks
What are Health Insurance Networks?
Out of Pocket Maximum
What is an Out of Pocket Maximum?
Supplemental Insurance
What is Supplemental Insurance?
Property and Casualty Insurance
What is Property and Casualty Insurance?
Catastrophic Insurance
What is Catastrophic Insurance?
Life Insurance
What is Life Insurance?
Electronic Data Interchange EDI
What is Electronic Data Interchange EDI?
Critical Illness
What is Critical Illness coverage?
Accident Insurance
What is Accident Insurance?
Hospital Indemnity
What is Hospital Indemnity coverage?
Cancer Insurance
What is Cancer Insurance?
Short Term Disability
What is Short Term Disability coverage?
Long Term Disability
What is Long Term Disability coverage?

Product And Service Information

All insurance quotes provided through Zenefits are estimates and are not guaranteed to match the final rates and details of your policy.

All insurance quotes provided to you through Zenefits (which are based on information provided to us by you and information provided and general assumptions made by the insurance companies) are made available to you for pricing comparison and quotation estimate purposes only and the actual final rates and details of your policy may vary. Many factors may cause estimated rates, details and availability to differ from actual. These may include changes in employee numbers, ages or other characteristics, selection of optional benefits, insurance company underwriting guidelines, selected locations as well as rate and plan changes implemented by insurance companies, which may occur at any time – particularly at calendar year end.

All insurance quotes are made available as a free service to Zenefits customers without any express or implied warranties of any kind.

The information and descriptions of insurance products contained herein are not intended to be complete descriptions of all terms, conditions, limitations, or exclusions, and are provided solely for general informational purposes. In no way is Zenefits responsible for the accuracy, reliability, currency, or completeness of any quote or related information or materials, including any information, content, materials, advice, products, services, functionality, or resources provided by or communicated through any insurance company or third party agent.

Zenefits has no control over whether you ultimately qualify for insurance at the estimated rates, and we make no warranties or guarantees that you will qualify.

The insurance quotes provided through Zenefits do not constitute an offer, solicitation, sale or negotiation of insurance, nor is any contract, agreement, or insurance coverage implied, formed or bound by the provision of rate quotes. Insurability, final insurance premium rate quotes and an offer of insurance, if any, will be determined by the insurance company providing your insurance policy.

Underwriting will not begin until after the completed and signed application is received by the insurance company. If a policy is issued to you, the premium will be based on the information, rates and rules in effect at that time for the issuing insurance company. Please refer to the actual policy for complete details of coverage of a particular policy. Policy forms vary by state and may be changed by each insurer without prior notice.

Zenefits does not guarantee that you will qualify for any products or services offered by any insurance company. Do not cancel any current health insurance coverage until you receive an approval letter and insurance policy, also known as insurance contract or certificate, from the insurance company you select. Make sure you understand and agree with the terms of the policy.

As a result of contractual relationships between Zenefits and certain insurance companies and others, Zenefits may receive a referral fee or commission share with respect to insurance sold to you by an insurance company. It is possible that several competing products may be available at the same, or similar, pricing and that the sale of one of them may result in a higher total compensation paid to us than the sale of another.

Your Consent

The information you provide us in any quote request is on a strictly voluntary basis. By voluntarily providing your contact information to us, you are consenting to be contacted for telemarketing purposes by via telephone, text message, email or other legally permissible means. In addition, by providing us with your contact information, you are consenting to being contacted by insurance companies and/or brokers and agents via these methods for telemarketing purposes in connection with your application or in response to your request. You understand that your telephone company may impose charges on you for these contacts.

You may contact us at any time to change your preference of how we communicate with you. We honor requests made to be added to our internal do not call list, within a reasonable period of time, and we will then no longer call you at such phone numbers again, unless you subsequently provide us your proper consent.