underinsured
Coverage falls short
Underinsured describes having insurance coverage that falls short of actual needs or potential losses.
Someone underinsured for health care may face crushing bills after a serious illness.
A homeowner underinsured against fire might receive a payout that covers only half the rebuilding cost.
Many Americans are underinsured, one medical emergency away from bankruptcy.
State of being unprotected
- liabilityLegal or financial obligation
- catastropheDevastating, large-scale misfortune
- disasterSudden ruinous event
- accidentUnintended harmful event
loss · peril · hazard · vulnerability · uncertainty · motorist · collision · lawsuit
Out-of-pocket threshold amount
- copaymentPatient's fixed healthcare charge
- coinsurancePercentage you owe
- exclusionBeing barred from participation
- limitationBound on extent
out-of-pocket · benefits · policyholder · endorsement · claim · reimbursement · maximum · cap
Legal status when insolvent
- out-of-pocketPaid from personal funds
- hardshipSuffering from difficult circumstances
- shortfallFailure to reach quota
- expensesMoney spent on things
affordability · insolvency · underfunded · collection · garnishment · cost-sharing · crowdfunding
Already in existence
- chronicPersisting over time
- treatmentCare for an ailment
- medicationTherapeutic substance for illness
- hospitalizationFormal entry into medical care
prescription · specialist · marketplace · subsidies · enrollment · eligibility
Working independently, not hired
- part-timeLimited work schedule
- immigrantOne who resettles abroad
- ruralOf the countryside
- elderlyAdvanced in age
disabled · low-income · marginalized · unsubsidized · freelancer · contractor
exposure
State of being unprotected
- liabilityLegal or financial obligation
- catastropheDevastating, large-scale misfortune
- disasterSudden ruinous event
accident · loss · peril · hazard · vulnerability · uncertainty · motorist · collision · lawsuit · judgment
deductible
Out-of-pocket threshold amount
- copaymentPatient's fixed healthcare charge
- coinsurancePercentage you owe
- exclusionBeing barred from participation
limitation · out-of-pocket · benefits · policyholder · endorsement · claim · reimbursement · maximum · cap · shortfall
bankruptcy
Legal status when insolvent
- out-of-pocketPaid from personal funds
- hardshipSuffering from difficult circumstances
- shortfallFailure to reach quota
expenses · affordability · insolvency · underfunded · collection · garnishment · cost-sharing · crowdfunding
preexisting
Already in existence
- chronicPersisting over time
- treatmentCare for an ailment
- medicationTherapeutic substance for illness
hospitalization · prescription · specialist · marketplace · subsidies · enrollment · eligibility
self-employed
Working independently, not hired
elderly · disabled · low-income · marginalized · unsubsidized · freelancer · contractor
- health insurancepremium, deductible, copay, coverage, premiums
- healthcare accesshealth access, health coverage, universal coverage, coverage gaps, healthcare reform
- healthcare problemsmedical errors, misdiagnosis, high costs, long waits, staffing shortages
- Coverage Statuscovered, enrolled, unenrolled, lapsed, expired
- healthcaredoctors, nurses, hospitals, hospital, clinic
- populationspatients, inpatients, outpatients, elderly patients, stroke patients