Health Insurance Glossary

Balance Billing
Billing a member for the difference between the allowed charge and the actual charge. See Allowed Benefit.
Basic Coverage
Hospital and medical coverage only -- does not include extended medical, major medical, dental and rider coverage. Also includes Medicare Part A and B coverage, exclusive of supplementary coverage.
Behavioral Health Services
See Mental Health Services.
Any service or supply covered by the member's health insurance plan or contract.
Benefit Period
A period of time for which covered services (or benefits) are eligible for payment.
Benefit Reduction Amount
The amount subtracted from allowed benefits under certain cost-savings programs administered by CareFirst.
Benefits Administrator
Individual responsible for handling employee health benefits for the employer. See Group Administrator.
An HMO plan offered by CareFirst BlueChoice, Inc., an independent licensee of the Blue Cross Blue Shield Association.
Brand-name Drug
A prescription drug that has been patented and is only available through one manufacturer.