Glossary of Insurance Terms
- Effective date
The date on which insurance coverage goes into effect. (Not always the same as the date the application is completed.)
- Elimination period
The number of days you must wait after receiving long-term care before receiving insurance benefits.
- Emergency care
A medical emergency includes severe pain, an injury, sudden illness, or suddenly worsening illness that would cause a reasonably prudent layperson to expect that delay in treatment may cause serious danger to the person's health if he/she does not get immediate medical care.
- Emergency services
Services delivered by an appropriately trained health care professional that are required to diagnose and stabilize an emergency condition.
Written agreement attached to a policy to add or subtract insurance coverages.
- Enrollment period
The amount of time an employee has to sign up for a contributory health plan.