Small Business Health Insurance

Approved Health Care Facility or Program: A facility or program which has been approved by a health care plan as described in the contract.

Average Length of Stay: The total number of patient days divided by the number of admissions and discharges during a specified period of time. This gives the average number of days in the hospital for each person admitted.

Coinsurance: The amount you are required to pay for medical care in a fee-for-service plan after you have met your deductible. The coinsurance rate is usually expressed as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.

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