insurance plans on white paper

insurance plans white paper coverage policy premium deductible benefits claim network provider -network out- -network co-payment co-insurance pre-authorization pre-existing conditions waiting period annual limit lifetime prescription drugs formulary hmo health maintenance organization ppo preferred pos point service epo exclusive catastrophic dental vision disability long-term care term life universal critical illness accidental death dismemberment travel home auto renters umbrella liability business workers' compensation professional cyber pet cancer savings account hsa flexible spending fsa high plan hdhp reimbursement arrangement hra medigap