Get Health Insurance!
SFCC wants to help our students and adjunct faculty members find affordable, reliable group health insurance.
Here's a list of providers you can count on. (Adobe PDF format)
Confused about what a policy offers? Understanding health insurance means understanding its vocabulary. These are words that commonly appear in health insurance policies.
Benefit: Amount insurance company will pay for that medical service. It is usually written either as a percentage or a dollar amount.
Coinsurance: Amount you have to pay for medical care, prescriptions, etc. after you have paid the deductible. The coinsurance rate is usually written as a percentage. For instance, if the insurance company pays 80 percent of the claim, you pay 20 percent once you have paid your deductible.
Copayment/Copay: Another way of sharing medical costs. You pay a set fee every time you receive a medical service (for example, $25 for every visit to the doctor). The insurance company pays the rest.
Covered Expenses: Most insurance plans do not pay for all medical services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered expenses are those medical services the company agrees to pay for and they are listed in the policy.
Deductible: The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
Exclusions: Specific conditions or circumstances for which the policy will not provide benefits.
Generic: Prescription drugs that are similar to brand-name drugs and usually cheaper. However, they are not always the same, so you should ask your provider before buying them.
In-patient: Medical services you receive after being admitted to a hospital or clinic.
Out-patient: Medical services you receive while not admitted to a hospital or clinic.
Maximum (Benefit): The most money your insurance company will pay for a specific medical service. For example, "Prescription Drugs: $100 maximum" means the insurance company will only pay up to $100 a year for prescription drugs.
Maximum Out-of-Pocket: The most money you will be required to pay a year for deductibles and coinsurance, not counting your regular premiums. It is a stated dollar amount set by the insurance company.
Noncancelable Policy: A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
Pre-existing Condition: A health problem that you received medical diagnosis and/or treatment for before the date your insurance became effective.
Premium: The amount you or your employer pays in exchange for insurance coverage.
Primary Care Doctor: Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors you health, diagnoses, treats minor health problems, and refers you to specialists if another level of care is needed.
Prior Approval: What some policies require for certain medical services. This means you must contact the health insurance company to get approval for this service to be done and to see how much the company will pay.
Provider: Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
For more information, please contact the Information Desk, 505-428-1000, email@example.com.
Empower Students, Strengthen Community. | Empoderar a los Estudiantes, Fortalecer a la Comunidad.