Glossary

A drug manufactured by a pharmaceutical company which has chosen to patent the drug's formula and register its brand name.

The facilities, providers and suppliers your health insurer or plan has contracted with to provide healthcare services.

Coverage that pays for losses associated with a motor vehicle accident regardless of the fault of the driver.

An eligible provider who has not entered into a Contracting Provider Agreement with BCBSKS. Payment for covered services is sent directly to the member and cannot be signed over to the provider. The member is responsible for amounts in excess of the maximum payment allowance. The non-contracting provider is responsible for collecting payment from the member. (Payment can be sent directly to an out-of-state provider.)

A provider who doesn't have a contract with your health insurer or plan to provide services to you. You'll pay more to see a non-preferred provider. Check your policy to see if you can go to all providers who have contracted with your health insurance or plan, or if your health insurance or plan has a "tiered" network and you must pay extra to see some providers.

Should an employee decline enrollment in a group health plan at his or her first opportunity, an employer would provide to the employee a notice of enrollment rights. This notice advises the employee of what to expect should he or she wish to enroll at a later date.