deductible: minimum amount a pt must pay out of pocket

coinsurance: person's share of cost compared to insurance company

premium: monthly fees people pay in pool

PPO: contracts with physicians & hospitals to provide treatment @ a lower cost

POS: smaller deductibles & copays but require a referral to see specialist

HMO: employ healthcare providers in a network from insured must choose

EPO: charges an access fee for network @ reduced costs