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DEFINITIONS

co-pay       what you (the client) pay for services rendered 

premium    what you (the client) pay to be enrolled in the plan

HMO          health maintenance organization, typically the name is an oxymoron since (for example)                   ..................Keystone HMO will deny coverage for "health maintenance" services.

covered      when a service is covered, all a client is responsible to pay,  is the listed fee for a co-pay

maintenance   services provided to a client, not limited to treat a medical condition but also to improve or 
                       maintain health.  This is NEVER covered by Blue Cross, Aetna, Keystone, Personal Choice

DEFINITIONS