The 12-month period beginning January 1 and ending December 31.

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 its health care providers.

The insurance company or HMO offering a health plan.

A vision insurance plan member's share of the costs of a health care service after the deductible has been met. Coinsurance usually is stated as a percentage of the amount the insurance company a [..]

A copayment or "copay" is a fixed payment that an insurance plan member pays at the time a medical service is provided by a network care provider. A copay also may be required when you get a [..]

The eye care services listed as benefits in a vision insurance plan.

The amount you must pay for health care or vision care services before your health plan or vision plan pays its portion of the costs. Typically insurance plans have yearly deductible amounts.

A health plan in which an employer places a certain amount of money each year into an employee account that can be used to pay medical expenses.

The refusal by an insurance company to honor a request by an individual (or his or her provider) to pay for health care or vision care services.

The spouse and/or children (whether natural, adopted or stepchildren) of an insured person.