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Glossary
Plain-language definitions of insurance terms.
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Endorsement
A written change to an insurance policy — adding, removing, or modifying coverage. Sometimes called a "rider".
EPO
An Exclusive Provider Organization covers only in-network providers except in emergencies but, unlike an HMO, usually does not require referrals to see speciali...
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Exclusion
A specific loss, peril, or condition the policy does not cover. Always read the exclusions section before assuming you are covered.
Explanation of Benefits (EOB)
A statement from your health insurer showing what a provider billed, what the plan paid, and what you may owe. It is not a bill.
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