Special Enrollment Period

Periods outside of the normal Medicare enrollment periods that allow members to enroll or disenroll in their Medicare or Medicaid plan such as moving out of service area, loss of creditable coverage/loss of coverage from employer group or union, move in/out of institution, or becoming eligible for Medicare/Medicaid.

Specialty Drugs

High-cost prescription medications used to treat complex, chronic conditions like cancer, rheumatoid arthritis, and multiple sclerosis. Specialty drugs often require special handling (like refrigeration during shipping) and administration by a provider (such as injection or infusion).


The person whose name is primary on the policy. They are financially responsible for paying the health insurance coverage.

Supplemental Insurance

Extra or additional insurance a person can purchase to help pay for services and out-of-pocket expenses that health care insurance does not cover. (i.e. dental and vision, etc.)


The treatment of injuries or disorders of the body by incision or manipulation.