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['glossary']
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['glossary']
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[]
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Affordability Exemption
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Exención de accesibilidad
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/glossary/affordability-exemption/
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Una exención que se necesita al solicitar cobertura catastrófica para personas de 30 años o más cuya cobertura no es accesible. Las exenciones de accesibilid...
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An exemption that’s needed when applying for Catastrophic coverage for people 30 years or older whose coverage is unaffordable. Affordability exemptions are ...
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['glossary']
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['glossary']
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[]
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Individual Coverage Health Reimbursement Arrangement
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Acuerdo de reembolso de gastos médicos de cobertura individual
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/glossary/individual-coverage-hra/
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Un tipo de Acuerdo de Reembolso de Gastos Médicos (HRA en inglés) que reembolsa los gastos médicos, como las primas mensuales, y requiere que los empleados y...
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A type of Health Reimbursement Arrangement that reimburses medical expenses, like monthly premiums, and requires eligible employees and dependents to have in...
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['glossary']
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['glossary']
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Cafeteria Plan
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Plan de gastos flexibles
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/glossary/cafeteria-plan/
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Un plan de gastos flexibles es un plan escrito separado mantenido por un empleador para empleados que cumple con los requisitos y regulaciones específicos de...
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A cafeteria plan is a separate written plan maintained by an employer for employees that meets the specific requirements and regulations of Section 125 of th...
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['glossary']
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['glossary']
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Urban Indian programs
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Programas urbanos para Indios
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/glossary/urban-indian-programs/
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Programas de salud disponibles para Indios Americanos y nativos de Alaska que viven en áreas urbanas.Los programas de salud urbana atienden:Miembros o d...
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Health programs available to American Indians and Alaska Natives living in urban areas.Urban health programs serve:Members or descendants of federally r...
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['glossary']
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['glossary']
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QSEHRA
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QSEHRA
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/glossary/qsehra/
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Los pequeños empleadores que no ofrecen cobertura médica grupal a sus empleados pueden ayudar a los empleados a pagar los gastos médicos a través de un Acuer...
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Small employers who don't offer group health coverage to their employees can help employees pay for medical expenses through a Qualified Small Employer Healt...
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['glossary']
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['glossary']
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Abortion services
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Servicios de aborto
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/glossary/abortion-services/
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La ley federal prohíbe que los fondos federales, incluidos los créditos fiscales para las primas del Mercado, se utilicen para servicios de aborto, excepto e...
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Federal law prohibits federal funds, including Marketplace premium tax credits, from being used for abortion services except in the limited cases of rape, in...
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['glossary']
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['glossary']
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[]
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Small Business Health Options Program (SHOP)
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Mercado SHOP (Programa de Opciones de Salud para Pequeños Negocios)
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/glossary/shop-small-business-health-options-program/
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Un intercambio de seguro médico que ayuda a los propietarios de pequeños negocios a proporcionar seguro médico y dental a sus empleados. Algunos empleadores ...
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The Small Business Health Options Program (SHOP) helps small business owners provide medical and/or dental insurance to their employees. Some smaller employe...
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['glossary']
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['glossary']
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Tax filing requirement (for dependents)
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Requisito de presentación de impuestos (para dependientes)
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/glossary/tax-filing-requirement-dependents/
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La cantidad mínima de ingreso que requiere que un dependiente presente una declaración federal de impuestos. Los requisitos para presentar impuestos 2021 par...
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The minimum income requiring a dependent to file a federal tax return. 2021 filing requirements for dependents under 65: Earned income of at least $12,550, o...
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['glossary']
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['glossary']
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Quality Ratings (or 'star' ratings)
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Calificación de Calidad (o calificación de 'estrellas')
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/glossary/quality-ratings/
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La calificación de calidad del plan médico usado en el Mercado de Seguros Médicos, muestra 1 a 5 estrellas en las páginas de información del plan.Cada plan...
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Ratings of health plan quality used in the Health Insurance Marketplace®, shown as 1 to 5 stars on plan information pages.Each health plan has an “Overall”...
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['glossary']
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['glossary']
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Grace Period
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Período de Gracia
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/glossary/grace-period/
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Un período corto — generalmente de 90 días — luego de que se haya vencido su pago mensual del seguro médico, puede pagarlo durante su período de gracia y evi...
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A short period — usually 90 days — after your monthly health insurance payment is due. If you haven't made your payment, you may do so during the grace perio...
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['glossary']
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['glossary']
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[]
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Adjusted Gross Income (AGI)
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Ingreso Bruto Ajustado (AGI en inglés)
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/glossary/adjusted-gross-income-agi/
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Su ingreso total (o "bruto") para el año fiscal, menos ciertos ajustes que se le permita tomar. Los ajustes incluyen deducciones por contribuciones de IRA co...
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Your total (or “gross”) income for the tax year, minus certain adjustments you’re allowed to take. Adjustments include deductions for conventional IRA contri...
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['glossary']
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['glossary']
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Tax filing requirement
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Requisito de presentación de impuestos
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/glossary/tax-filing-requirement/
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La cantidad mínima (o límite) de ingreso que requiere que usted presente una declaración federal de impuestos. Los requisitos de 2021 para presentar impuesto...
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The minimum amount (or threshold) of income requiring you to file a federal tax return. 2021 filing requirements for most taxpayers: Gross income of at least...
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['glossary']
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['glossary']
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Qualifying Health Coverage
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Cobertura Calificada
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/glossary/qualifying-health-coverage/
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Cualquier seguro médico que cumpla los requisitos de cobertura de la Ley de Cuidado de Salud a bajo precio. Ya no aplica la multa por no tener seguro médico....
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Any health insurance that meets the Affordable Care Act requirement for coverage. The fee for not having health insurance no longer applies. This means you n...
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['glossary']
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['glossary']
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Inconsistency (Data Matching Issue)
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Inconsistencia (problema de datos)
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/glossary/inconsistency/
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Una diferencia entre cierta información que puso en su solicitud del Mercado y la información que tenemos de otras fuentes de datos de confianza.Si esto su...
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A difference between some information you put on your Marketplace application and information we have from other trusted data sources.If this happens, the ...
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['glossary']
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['glossary']
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Data Matching Issue (Inconsistency)
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Problema con comparación de datos (o inconsistencia)
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/glossary/data-matching-issue/
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Una diferencia entre cierta información que puso en su solicitud del Mercado y la información que tenemos de otras fuentes de datos de confianza.Si esto su...
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A difference between some information you put on your Marketplace health insurance application and information we have from other trusted data sources.If t...
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['glossary']
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['glossary']
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[]
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Same-Sex Marriage
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Matrimonio del Mismo Sexo
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/glossary/same-sex-marriage/
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Matrimonio legal entre cónyuges del mismo sexo. El matrimonio entre personas del mismo sexo es legal y está reconocido en todos los estados de Estados Unidos...
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Lawful marriage between spouses of the same sex. Same-sex marriage is legal and recognized in every U.S. state and the District of Columbia.As long as a sa...
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['glossary']
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['glossary']
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Transgender People
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Personas Transgénero
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/glossary/transgender-people/
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El sexo asignado al nacer de una persona transgénero no coincide con su identidad, expresión o comportamiento de género.Los transgéneros deben considerar de...
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A transgender person’s assigned sex at birth doesn’t match their gender identity, expression, or behavior.Transgender people have important details to cons...
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['glossary']
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['glossary']
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Exemption
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Exenciones
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/glossary/exemption/
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Si tiene 30 años o más y quiere cobertura catastrófica, debe calificar para una exención por "dificultades" o "accesibilidad".Para los planes de 2018 o ant...
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If you’re 30 and older and want Catastrophic coverage, you must qualify for a "hardship" or "affordability" exemption.For plan years 2018 and earlier, othe...
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['glossary']
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['glossary']
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Stand-alone Dental Plan
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Plan dental independiente
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/glossary/stand-alone-dental-plan/
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Un tipo de plan dental ofrecido a través del Mercado que no está incluido como parte de un plan médico. Es posible que desee esto si la cobertura que elige n...
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A type of dental plan offered through the Marketplace that’s not included as part of a health plan. You may want this if the health coverage you choose doesn...
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['glossary']
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['glossary']
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Spousal Abandonment
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Abandono del cónyuge
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/glossary/spousal-abandonment/
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Cuando una persona no puede localizar a su cónyuge después de hacer un intento razonable para encontrarlo. También conocida como deserción. Si es víctima de ...
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When an individual can’t locate their spouse after making a reasonable attempt to find them. Also known as desertion. If you’re a victim of spousal abandonme...
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['glossary']
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['glossary']
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Exemption Certificate Number (ECN)
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Número de certificado de exención (ECN en inglés)
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/glossary/exemption-certificate-number-ecn/
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El número que el Mercado de seguros le provee cuando califica para una exención de cobertura médica. Cuando llena una solicitud de exención, el Mercado revis...
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A number the Marketplace provides when you qualify for a health insurance exemption. When you fill out an exemption application, the Marketplace will review ...
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['glossary']
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['glossary']
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Second lowest cost Silver plan (SLCSP)
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Plan Plata con el segundo costo más bajo (SLCSP en inglés)
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/glossary/second-lowest-cost-silver-plan-slcsp/
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El plan del Mercado con el segundo costo más bajo en la categoría del plan Plata que le corresponda. No es necesariamente el plan en el que se inscribió. Ust...
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The second-lowest priced Marketplace health insurance plan in the Silver category that applies to you. It may not be the plan you enrolled in. You need to kn...
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['glossary']
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['glossary']
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Plan ID
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Número de Identificación del Plan
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/glossary/plan-id/
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Cada plan médico del Mercado tiene un identificador único de 14 caracteres que es una combinación de números y/o letras.Usted puede encontrar el Número de ...
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Each Marketplace health plan has a unique 14-character identifier that's a combination of numbers and/or letters.You can find a plan's ID below the plan na...
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['glossary']
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['glossary']
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Application ID
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Número de solicitud
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/glossary/application-id/
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Cada solicitud del Mercado tiene un número de identificación único. Luego de que haga su solicitud en el Mercado, usted recibirá una notificación con los res...
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Each Marketplace application has a unique identification number, or Application ID. After you apply for Marketplace coverage, you’ll get a notice with your e...
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['glossary']
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['glossary']
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Multi-State Plan
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Plan multi-estatal
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/glossary/multi-state-plan/
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Un tipo de plan que se ofrece en el Mercado de Seguros Médicos. A pesar del nombre, "planes multi-estatales" no necesariamente tienen los proveedores de rede...
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A type of plan offered in the Health Insurance Marketplace®. Despite the name, “multi-state plans” don’t necessarily have network providers or cover services...
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['glossary']
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['glossary']
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Modified Adjusted Gross Income (MAGI)
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Ingreso Bruto Ajustado Modificado (MAGI en inglés)
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/glossary/modified-adjusted-gross-income-magi/
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La cifra utilizada para determinar la elegibilidad para los créditos fiscales para las primas y otros ahorros en los planes médicos del Mercado y para Medica...
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The figure used to determine eligibility for premium tax credits and other savings for Marketplace health insurance plans and for Medicaid and the Children's...
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['glossary']
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['glossary']
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Referral
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Referido
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/glossary/referral/
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Una orden por escrito de su médico de cuidados primarios para que usted visite un especialista u obtenga ciertos servicios médicos. En muchas Organizaciones ...
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A written order from your primary care doctor for you to see a specialist or get certain medical services. In many Health Maintenance Organizations (HMOs), y...
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['glossary']
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['glossary']
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Penalty
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Multa
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/glossary/penalty/
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Un pago (también conocido como "penalidad," "multa" o "mandato individual") que hizo cuando declaró los impuestos si no tuvo seguro médico que calificaba com...
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A payment ("fee," "fine," "individual mandate") you made when you filed taxes if you didn't have health insurance that counted as qualifying health coverage ...
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['glossary']
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['glossary']
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Out-of-pocket maximum/limit
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Gastos máximos de su bolsillo/límite
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/glossary/out-of-pocket-maximum-limit/
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Cantidad máxima que tiene que pagar por los servicios cubiertos en un año del plan. Después de gastar esta cantidad en los deducibles, copagos y coseguros po...
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The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and...
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['glossary']
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['glossary']
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Out-of-Pocket Estimate
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Estimado de los gastos de su bolsillo
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/glossary/out-of-pocket-estimate/
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Un estimado de la cantidad que pagaría de su bolsillo por los servicios médico o las medicinas. El estimado se hace antes de que su plan haya enviado el recl...
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An estimate of the amount that you may have to pay on your own for health care or prescription drug costs. The estimate is made before your health plan has p...
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['glossary']
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['glossary']
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Out-of-Network Copayment
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Copago fuera de la red
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/glossary/out-of-network-copayment/
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Una cantidad fija (por ejemplo, $30) que usted paga por cuidados médicos cubierto facilitados por proveedores que no tienen un contrato con su seguro o plan ...
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A fixed amount (for example, $30) you pay for covered health care services from providers who don't contract with your health insurance or plan. Out-of-netwo...
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['glossary']
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['glossary']
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Out-of-Network Coinsurance
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Coseguro fuera de la red
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/glossary/out-of-network-coinsurance/
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El porcentaje (por ejemplo, el 40%) que usted paga de la cantidad autorizada por servicios médicos cubiertos facilitados por proveedores que no tienen un con...
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The percentage (for example, 40%) you pay of the allowed amount for covered health care services to providers who don't contract with your health insurance o...
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['glossary']
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['glossary']
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Original Medicare
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Medicare Original
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/glossary/original-medicare/
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Medicare Original es un plan médico de pago por servicio que tiene dos partes: Parte A (seguro de hospital) y Parte B (seguro médico). Después de pagar un de...
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Original Medicare is a fee-for-service health plan that has two parts: Part A (Hospital Insurance) and Part B (Medical Insurance). After you pay a deductible...
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['glossary']
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['glossary']
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Not Yet Accredited (Health Plan)
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Aún no acreditado (plan médico)
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/glossary/not-yet-accredited-health-plan/
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Un plan que aún no ha recibido un "sello de aprobación" por parte de una compañía independiente demostrando que cumple con los estándares nacionales de calid...
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A plan that hasn't been given a "seal of approval" by an independent company to show it meets national quality standards for health plans. There are many rea...
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['glossary']
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['glossary']
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Network Plan
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Plan de la red
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/glossary/network-plan/
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Un plan de salud que tiene contratos con médicos, hospitales, farmacias y otros proveedores de salud para proporcionar a los miembros del plan servicios y su...
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A health plan that contracts with doctors, hospitals, pharmacies, and other health care providers to provide members of the plan with services and supplies a...
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['glossary']
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['glossary']
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Net Rental Income
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Ingresos netos por rentas
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/glossary/net-rental-income/
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La cantidad que alguien le paga a usted para usar su propiedad, después de restar los gastos relacionados con esa propiedad. Los Ingresos de regalías incluye...
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The amount someone pays you to use your property, after you subtract the expenses you have for the property. Royalty income includes any payments you get fro...
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['glossary']
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['glossary']
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Worker's Compensation
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Seguro de accidentes del trabajo/Compensación al trabajador
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/glossary/workers-compensation/
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Un plan de seguro que los empleadores están obligados a tener, para cubrir a los empleados que se enferman o sufren lesiones por actividades relacionadas con...
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An insurance plan that employers are required to have to cover employees who get sick or injured on the job.
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['glossary']
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['glossary']
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[]
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Vision Coverage
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Cobertura de la vista
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/glossary/vision-or-vision-coverage/
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Cobertura de la vista es un beneficio médico que por lo menos cubre parcialmente el cuidado de la vista, como exámenes de la vista y anteojos. Todos los plan...
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A health benefit that at least partially covers vision care, like eye exams and glasses. All plans in the Health Insurance Marketplace® include vision covera...
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['glossary']
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['glossary']
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TTY
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TTY
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/glossary/tty/
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Un TTY es un aparato de comunicación usado por personas sordas, con deficiencias auditivas, o que sufren una incapacidad grave del habla. Las personas que no...
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A TTY (teletypewriter) is a communication device used by people who are deaf, hard-of-hearing, or have severe speech impairment. People who don't have a TTY ...
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['glossary']
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['glossary']
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TRICARE
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TRICARE
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/glossary/tricare/
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Un programa de cuidado médico para miembros de los servicios uniformados activos y retirados, y sus familias.
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A health care program for active-duty and retired uniformed services members and their families.
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['glossary']
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['glossary']
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Total Cost Estimate (for health coverage)
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Estimado total de costos (para cobertura médica)
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/glossary/total-cost-estimate/
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La cantidad total estimada que usted quizás tenga que pagar por cobertura médica, el cual es estimado antes de que usted consiga esa cobertura y tenga gastos...
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The total amount you may have to pay for health plan coverage, which is estimated before you actually have the coverage and have health expenses under the co...
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['glossary']
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['glossary']
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Tax Household
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Familia a efectos fiscales (unidad familiar)
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/glossary/tax-household/
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El contribuyente(s) y todo individuo declarado como dependiente en la declaración de impuestos federales. Una Familia a efectos fiscales puede incluir un cón...
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The taxpayer(s) and any individuals who are claimed as dependents on one federal income tax return. A tax household may include a spouse and/or dependents....
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['glossary']
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['glossary']
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Supplemental Security Income (SSI)
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Seguridad de Ingreso Suplementario (SSI en inglés)
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/glossary/supplemental-security-income/
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Un beneficio mensual pagado por el Seguro Social a las personas con ingresos y recursos limitados, que están incapacitadas, ciegas, o tienen 65 años o más. L...
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[]
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A monthly benefit paid by Social Security to people with limited income and resources who are disabled, blind, or 65 or older. SSI benefits aren't the same a...
|
['glossary']
|
['glossary']
|
[]
|
Summary of Benefits and Coverage (SBC)
|
Resumen de beneficios y cobertura (SBC en inglés)
|
/glossary/summary-of-benefits-and-coverage/
|
Un resumen fácil de leer que le permite comparar lado a lado, los costos y coberturas ofrecidos por los diferentes planes médicos. Usted puede comparar sus o...
|
[]
|
[]
|
[]
|
[]
|
[]
|
An easy-to-read summary that lets you make apples-to-apples comparisons of costs and coverage between health plans. You can compare options based on price, b...
|
['glossary']
|
['glossary']
|
[]
|
Subsidized Coverage
|
Cobertura subsidiada
|
/glossary/subsidized-coverage/
|
La cobertura médica está disponibles a menor costo o sin costo para las personas con ingresos por debajo de ciertos niveles.Ejemplos de cobertura subsidiad...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Health coverage available at reduced or no cost for people with incomes below certain levels.Examples of subsidized coverage include Medicaid and the Child...
|
['glossary']
|
['glossary']
|
[]
|
State Medical Assistance Office
|
Oficina estatal de asistencia médica
|
/glossary/state-medical-assistance-office/
|
Una agencia estatal a cargo del programa de Medicaid de ese estado y que puede facilitar información acerca de los programas que ayudan a las personas con in...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A state agency in charge of the state's Medicaid program and can give information about programs in its state that help pay medical bills for people with lim...
|
['glossary']
|
['glossary']
|
[]
|
State Insurance Department
|
Departamento Estatal de Seguros
|
/glossary/state-insurance-department/
|
Una agencia estatal que regula los seguros y facilita información sobre la cobertura médica en su estado.
|
[]
|
[]
|
[]
|
[]
|
[]
|
A state agency that regulates insurance and can provide information about health coverage in its state.
|
['glossary']
|
['glossary']
|
[]
|
State Health Insurance Assistance Program (SHIP)
|
Programa Estatal de Asistencia sobre el Seguro Médico (SHIP en inglés)
|
/glossary/state-health-insurance-assistance-program/
|
Programa estatal que recibe dinero del gobierno federal para ofrecer asesoría local gratis en cuanto a seguros médicos, a personas que tienen Medicare.
|
[]
|
[]
|
[]
|
[]
|
[]
|
A state program that gets funding from the federal government to provide free local health coverage counseling to people with Medicare.
|
['glossary']
|
['glossary']
|
[]
|
Social Security
|
Seguro Social
|
/glossary/social-security/
|
Un sistema que distribuye beneficios financieros a las personas jubiladas o incapacitadas, sus cónyuges, y sus hijos dependientes, basados en los ingresos qu...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A system that distributes financial benefits to retired or disabled people, their spouses, and their dependent children based on their reported earnings. Whi...
|
['glossary']
|
['glossary']
|
[]
|
Social Security Survivors Benefits
|
Beneficios del Seguro Social para sobrevivientes
|
/glossary/social-security-survivors-benefits/
|
Beneficios del Seguro Social (en caso de su muerte) basados en sus declaraciones que son pagados a su:Viuda/viudo con 60 años o más, o 50 años o más si su...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Social Security benefits based on your record (if you should die) that are paid to your:Widow/widower age 60 or older, 50 or older if disabled, or any age...
|
['glossary']
|
['glossary']
|
[]
|
Social Security Benefits
|
Beneficios del Seguro Social
|
/glossary/social-security-benefits/
|
La cantidad que usted recibe mensualmente del Seguro Social por incapacidad, por jubilación (incluyendo el Retiro Ferroviario), o como sobreviviente.
|
[]
|
[]
|
[]
|
[]
|
[]
|
The amount you get from Social Security Disability, Retirement (including Railroad retirement), or Survivor's Benefits each month.
|
['glossary']
|
['glossary']
|
[]
|
Silver Health Plan
|
Plan médico de categoría Plata
|
/glossary/silver-health-plan/
|
Una de las 4 categorías de plan (también conocidas como “nivel de metal”) en el Mercado de Seguros Médicos. Los planes Plata están en el medio: usted paga pr...
|
[]
|
[]
|
[]
|
[]
|
[]
|
One of 4 categories of Health Insurance Marketplace® plans (sometimes called “metal levels”). Silver plans fall about in the middle: You pay moderate monthly...
|
['glossary']
|
['glossary']
|
[]
|
Service Area
|
Área de servicio
|
/glossary/service-area/
|
Un área geográfica donde un plan de seguro médico acepta miembros en caso que limite la inscripción según dónde residan las personas. Para los planes que lim...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A geographic area where a health insurance plan accepts members if it limits membership based on where people live. For plans that limit which doctors and ho...
|
['glossary']
|
['glossary']
|
[]
|
Self-Employment Income
|
Ingresos como trabajador autónomo
|
/glossary/self-employment-income/
|
Los ingresos netos que usted gana por medio de su propio oficio o negocio. Por ejemplo, todo ingreso neto (ganancia) recibido de productos que usted venda o ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
The net income you earn from your own trade or business. For example, any net income (profit) you earn from goods you sell or services you provide to others ...
|
['glossary']
|
['glossary']
|
[]
|
Retirement Benefit (Pension)
|
Beneficios de jubilación (pensión)
|
/glossary/retirement-benefit/
|
Un pago, o serie de pagos recibidos una vez que usted se jubila. Generalmente, la cantidad de sus ingresos por jubilación o distribuciones de pagos de una cu...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A payment or series of payments made to you after you retire from work. Generally, the amount of your income from a pension or retirement account distributio...
|
['glossary']
|
['glossary']
|
[]
|
Rental or Royalty Income
|
Ingresos por rentas y regalías
|
/glossary/rental-or-royalty-income/
|
La cantidad que alguien le paga a usted para usar su propiedad, después de restar los gastos relacionados con esa propiedad. Los Ingresos de regalías incluye...
|
[]
|
[]
|
[]
|
[]
|
[]
|
The amount someone pays you to use your property, after you subtract the expenses you have for the property. Royalty income includes any payments you get fro...
|
['glossary']
|
['glossary']
|
[]
|
Qualifying Life Event (QLE)
|
Eventos calificados
|
/glossary/qualifying-life-event/
|
Un cambio en su situación - como casarse, tener un bebé, o perder la cobertura médica - puede hacerle elegible para un Período Especial de Inscripción, que l...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, all...
|
['glossary']
|
['glossary']
|
[]
|
Prior Authorization
|
Autorización previa
|
/glossary/prior-authorization/
|
Aprobación por parte de un plan médico que puede ser requerida antes de que usted consiga un servicio o renueve una receta médica, para que el servicio o la ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Approval from a health plan that may be required before you get a service or fill a prescription in order for the service or prescription to be covered by yo...
|
['glossary']
|
['glossary']
|
[]
|
Premium Tax Credit
|
¿Qué es un "crédito fiscal para las primas"?
|
/glossary/premium-tax-credit/
| null |
[]
|
[]
|
[]
|
[]
|
[]
|
A tax credit you can use to lower your monthly insurance payment (called your “premium”) when you enroll in a plan through the Health Insurance Marketplace®....
|
['glossary']
|
['glossary']
|
[]
|
Platinum Health Plan
|
Plan médico Platino
|
/glossary/platinum-health-plan/
|
Una de las 4 categorías de plan (también conocidas como “nivel de metal”) en el Mercado de Seguros Médicos. Los planes Platino por lo general tienen las prim...
|
[]
|
[]
|
[]
|
[]
|
[]
|
One of 4 categories (or “metal levels”) of Health Insurance Marketplace® plans. Platinum plans usually have the highest monthly premiums of any plan category...
|
['glossary']
|
['glossary']
|
[]
|
Pension (Retirement Benefit)
|
Pensión (beneficio de jubilación)
|
/glossary/pension-retirement-benefit/
|
Un pago, o serie de pagos recibidos una vez que usted se jubila. Generalmente, la cantidad de sus ingresos por jubilación o distribuciones de pagos de una cu...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A payment or series of payments made to you after you retire from work. Generally, the amount of your income from a pension or retirement account distributio...
|
['glossary']
|
['glossary']
|
[]
|
Notice
|
Aviso
|
/glossary/notice/
|
Un formulario de aviso oficial que informa a los individuos acerca del estatus de sus solicitudes, su elegibilidad para los diversos programas, u otra inform...
|
[]
|
[]
|
[]
|
[]
|
[]
|
An official form of communication that informs individuals about the status of their applications, their eligibility for programs, or other important informa...
|
['glossary']
|
['glossary']
|
[]
|
Net Capital Gains
|
Ganancias netas sobre el capital
|
/glossary/net-capital-gains/
|
La cantidad en que sus ganancias anuales a largo plazo sobre el capital, son superiores a sus pérdidas anuales a corto plazo sobre el capital.Para consegui...
|
[]
|
[]
|
[]
|
[]
|
[]
|
The amount by which your total long-term capital gain for the year is more than your short-term capital loss for the year.For more information, visit http:...
|
['glossary']
|
['glossary']
|
[]
|
Navigator
|
Navegador
|
/glossary/navigator/
|
Individuos u organizaciones capacitados y aptos para facilitar ayuda al consumidor, pequeñas empresas y sus empleados, mientras buscan opciones de cobertura ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
An individual or organization that's trained and able to help consumers, small businesses, and their employees as they look for health coverage options throu...
|
['glossary']
|
['glossary']
|
[]
|
Multi-Employer Plan
|
Plan a través de varios empleadores
|
/glossary/multi-employer-plan/
|
En general, un plan médico grupal patrocinado conjuntamente por dos empleadores o más.
|
[]
|
[]
|
[]
|
[]
|
[]
|
In general, a group health plan that's sponsored jointly by 2 or more employers.
|
['glossary']
|
['glossary']
|
[]
|
Member Survey Results
|
Resultados de la encuesta a los miembros
|
/glossary/member-survey-results/
|
Una encuesta hecha por la Encuesta al Consumidor sobre los Proveedores y Sistemas de Salud (CAHPS en inglés), que pide a los miembros del plan, que valoren ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A survey conducted by the Consumer Assessment of Healthcare Providers and Systems (CAHPS) which asks health plan members to rate the care their experiences w...
|
['glossary']
|
['glossary']
|
[]
|
Marketplace
|
Mercado de seguros
|
/glossary/marketplace/
|
Palabra corta para decir "Mercado de Seguros Médicos," un servicio de compras e inscripción para el seguro médico creado por la Ley de Cuidado de Salud a Baj...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Shorthand for the “Health Insurance Marketplace®,” a shopping and enrollment service for medical insurance created by the Affordable Care Act in 2010.In mo...
|
['glossary']
|
['glossary']
|
[]
|
Large Group Health Plan
|
Plan médico grupal grande
|
/glossary/large-group-health-plan/
|
En general, un plan grupal que cubre empleados de un empleador con 51 empleados o más. En algunos estados, los grandes grupos se definen como grupos con 101 ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
In general, a group health plan that covers employees of an employer that has 51 or more employees. In some states large groups are defined as 101 or more.
|
['glossary']
|
['glossary']
|
[]
|
Investment Income
|
Ingresos por inversiones
|
/glossary/investment-income/
|
Los ingresos que usted recibe por una inversión, tales como interés recibido de un banco o, dividendos recibidos de unas acciones.Para más información, vea...
|
[]
|
[]
|
[]
|
[]
|
[]
|
The income you get from an investment, like interest you get from a bank or dividends you get from a stock you own.For more information, see IRS Publicatio...
|
['glossary']
|
['glossary']
|
[]
|
Interest
|
Interés
|
/glossary/interest/
|
El costo por conseguir dinero prestado.El interés que se cobra de un banco, o dividendos percibidos de una acción de la cual usted es propietario, son algu...
|
[]
|
[]
|
[]
|
[]
|
[]
|
The charge for the use of borrowed money.Interest you get from a bank or dividends from a stock you own are examples of investment income, which you should...
|
['glossary']
|
['glossary']
|
[]
|
Inpatient Care
|
Cuidados para paciente internado
|
/glossary/inpatient-care/
|
Cuidados médicos que usted recibe cuando es internado en un centro médico, tal como un hospital o un centro de enfermería especializado.
|
[]
|
[]
|
[]
|
[]
|
[]
|
Health care that you get when you're admitted as an inpatient to a health care facility, like a hospital or skilled nursing facility.
|
['glossary']
|
['glossary']
|
[]
|
In Person Assistance Personnel Program
|
Asistencia/Personal
|
/glossary/in-person-assistance-personnel-program/
|
Individuos u organizaciones capacitados y aptos para facilitar ayuda al consumidor, pequeñas empresas y sus empleados, mientras buscan opciones de cobertura ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Individuals or organizations that are trained and able to provide help to consumers, small businesses, and their employees as they look for health coverage o...
|
['glossary']
|
['glossary']
|
[]
|
Health Plan Categories
|
Categorías de planes médicos
|
/glossary/health-plan-categories/
|
Los niveles de planes en el Mercado de Seguros Médicos: Bronce, Plata, Oro y Platino. Las categorías (algunas veces llamadas “nivel de metal”) son basadas en...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Levels of plans in the Health Insurance Marketplace®: Bronze, Silver, Gold, and Platinum. Categories (sometimes called “metal levels”) are based on how you a...
|
['glossary']
|
['glossary']
|
[]
|
Health Coverage
|
Cobertura médica
|
/glossary/health-coverage/
|
Derecho legal al pago o reembolso de sus costos por atención médica, por lo general mediante un contrato con una compañía de seguro, un plan de salud grupal ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Legal entitlement to payment or reimbursement for your health care costs, generally under a contract with a health insurance company, a group health plan off...
|
['glossary']
|
['glossary']
|
[]
|
Hardship Exemption
|
Exención por dificultad
|
/glossary/hardship-exemption/
|
Una exención que se necesita al solicitar cobertura catastrófica para las personas de 30 años o más que enfrentaron una "dificultad" que les impidió obtener ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
An exemption that’s needed when applying for Catastrophic coverage for people 30 and older who faced a "hardship" that prevented them from getting insurance....
|
['glossary']
|
['glossary']
|
[]
|
Group Health Plan
|
Plan médico grupal
|
/glossary/group-health-plan/
|
En general, un plan de salud ofrecido por un empleador o una organización de empleados, que provee cobertura médica a los empleados y sus familias.
|
[]
|
[]
|
[]
|
[]
|
[]
|
In general, a health plan offered by an employer or employee organization that provides health coverage to employees and their families.
|
['glossary']
|
['glossary']
|
[]
|
Gold Health Plan
|
Plan médico de categoría Oro
|
/glossary/gold-health-plan/
|
Una de las 4 categorías de plan (también conocidas como “nivel de metal”) en el Mercado de Seguros Médicos. Los planes Oro por lo general tienen primas mensu...
|
[]
|
[]
|
[]
|
[]
|
[]
|
One of 4 health plan categories (or “metal levels”) in the Health Insurance Marketplace®. Gold plans usually have higher monthly premiums but lower costs whe...
|
['glossary']
|
['glossary']
|
[]
|
Generic Drugs
|
Medicamento genérico
|
/glossary/generic-drugs/
|
Un medicamento recetado que tiene la misma fórmula de ingredientes activos que un medicamento de marca. Los medicamentos genéricos usualmente cuestan menos q...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A prescription drug that has the same active-ingredient formula as a brand-name drug. Generic drugs usually cost less than brand-name drugs. The Food and Dru...
|
['glossary']
|
['glossary']
|
[]
|
Full-Time Employee (FTE)
|
Empleado a tiempo completo
|
/glossary/full-time-employee/
|
Cualquier empleado que trabaja un promedio de al menos 30 horas por semana durante más de 120 días en un año. Los empleados a tiempo parcial que trabajan un ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Any employee who works an average of at least 30 hours per week for more than 120 days in a year. Part-time employees work an average of less than 30 hours p...
|
['glossary']
|
['glossary']
|
[]
|
Fee
|
Tarifa
|
/glossary/fee/
|
Un pago (también conocido como "penalidad," "multa" o "mandato individual") que hizo cuando presenta su declaración federal de impuestos si no tuvo seguro mé...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A payment ("penalty," "fine," "individual mandate") you made when you filed federal taxes if you didn't have health insurance that counted as qualifying heal...
|
['glossary']
|
['glossary']
|
[]
|
Fee for Service
|
Pago por servicio
|
/glossary/fee-for-service/
|
Método en el cual se paga a los médicos y otros proveedores de servicios de salud por cada servicio brindado. Algunos ejemplos de servicios incluyen pruebas ...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A method in which doctors and other health care providers are paid for each service performed. Examples of services include tests and office visits.Related...
|
['glossary']
|
['glossary']
|
[]
|
Federally Recognized Tribe
|
Tribu reconocida federalmente
|
/glossary/federally-recognized-tribe/
|
Cualquier tribu, corporación Alaska Native Claims Settlement Act (ANCSA ) (de un región o pueblo), grupo, nación, pueblo, comarca o comunidad indígena o de n...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Any Indian or Alaska Native tribe, Alaska Native Claims Settlement Act (ANCSA) Corporation (regional or village), band, nation, pueblo, village, rancheria, o...
|
['glossary']
|
['glossary']
|
[]
|
External Review
|
Revisión externa
|
/glossary/external-review/
|
Una revisión de la decisión de un plan de denegación de cobertura o pago de un servicio, llevada a cabo por una organización independiente, no relacionada co...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A review of a plan's decision to deny coverage for or payment of a service by an independent third-party not related to the plan. If the plan denies an appea...
|
['glossary']
|
['glossary']
|
[]
|
Employer or Union Retiree Plans
|
Planes de empleadores o sindicatos para jubilados
|
/glossary/employer-or-union-retiree-plans/
|
Planes que ofrecen cobertura de salud y/o de medicamentos a ex-empleados o miembros y en algunos casos, a sus familias. Estos planes se ofrecen a las persona...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Plans that provide health and/or drug coverage to former employees or members, and, in some cases, their families. These plans are offered to people through ...
|
['glossary']
|
['glossary']
|
[]
|
Eligible Immigration Status
|
Estatus de inmigración elegible
|
/glossary/eligible-immigration-status/
|
Una condición inmigratoria que se considera elegible para obtener cobertura médica a través del Mercado de seguros. Las reglas sobre la condición inmigratori...
|
[]
|
[]
|
[]
|
[]
|
[]
|
An immigration status that's considered eligible for getting health coverage through the Marketplace. The rules for eligible immigration status may be differ...
|
['glossary']
|
['glossary']
|
[]
|
Eligibility Assessment
|
Evaluación de elegibilidad
|
/glossary/eligibility-assessment/
|
En algunos estados, el Mercado de seguros no provee la decisión final en cuanto a la elegibilidad para Medicaid. Sin embargo, el Mercado de seguros lleva a c...
|
[]
|
[]
|
[]
|
[]
|
[]
|
In certain states, the Marketplace doesn't provide the final decision on Medicaid eligibility. Instead, the Marketplace conducts an assessment and passes the...
|
['glossary']
|
['glossary']
|
[]
|
Drug List
|
Lista de medicamentos (Formulario)
|
/glossary/drug-list/
|
Una lista de medicamentos recetados cubiertos por un plan de medicamentos recetados u otro plan de seguro médico que ofrezca beneficios de medicamentos recet...
|
[]
|
[]
|
[]
|
[]
|
[]
|
A list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Also called a formulary.
|
['glossary']
|
['glossary']
|
[]
|
Domestic Partnership
|
Pareja doméstica/de hecho
|
/glossary/domestic-partnership/
|
Dos personas del mismo o diferente sexo que viven juntos y comparten una vida doméstica, pero no están casadas o unidas por una unión civil. En algunos estad...
|
[]
|
[]
|
[]
|
[]
|
[]
|
Two people of the same or opposite sex who live together and share a domestic life, but aren't married or joined by a civil union. In some states, domestic p...
|
['glossary']
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['glossary']
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[]
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Dividend
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Dividendo
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/glossary/dividend/
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Un pago hecho por una corporación con fines de lucro a sus accionistas. Este pago es una porción de los beneficios corporativos y se puede pagar un cierto nú...
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[]
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[]
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[]
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[]
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A payment made by a for-profit corporation to its shareholders. This payment is a portion of the corporate earnings and may be paid a certain number of times...
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['glossary']
|
['glossary']
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[]
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Dependent
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Dependiente
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/glossary/dependent/
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Un niño u otra persona en virtud de la cual los padres, parientes u otra persona pueden reclamar una exención personal de impuestos. En virtud de la Ley de a...
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[]
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[]
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[]
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[]
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[]
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A child or other individual for whom a parent, relative, or other person may claim a personal exemption tax deduction. Under the Affordable Care Act, individ...
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['glossary']
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['glossary']
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[]
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Department of Health and Human Services (HHS)
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Departamento de Salud y Servicios Humanos (HHS en inglés)
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/glossary/department-of-health-and-human-services-hhs/
|
La agencia federal que supervisa el programa CMS, el cual administra los programas de protección de la salud de todas las personas en los Estados Unidos, inc...
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[]
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[]
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[]
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[]
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[]
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The federal agency that oversees CMS, which administers programs for protecting the health of all Americans, including Medicare, the Marketplace, Medicaid, a...
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['glossary']
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['glossary']
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[]
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Dental Coverage
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¿Puedo obtener cobertura dental del Mercado?
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/glossary/dental-coverage/
| null |
[]
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[]
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[]
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[]
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[]
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Benefits that help pay for the cost of visits to a dentist for basic or preventive services, like teeth cleaning, X-rays, and fillings. In the Marketplace, d...
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['glossary']
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['glossary']
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[]
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Deductible
|
Deducible
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/glossary/deductible/
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La cantidad que paga por los servicios de atención médica cubiertos antes de que su plan de seguro comience a pagar. Con un deducible de $2,000, usted paga l...
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[]
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[]
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[]
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[]
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[]
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The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000...
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['glossary']
|
['glossary']
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[]
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Court Awards
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Adjudicaciones judiciales
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/glossary/court-awards/
|
El dinero que es debido como resultado de una demanda. Este dinero puede ser libre de impuestos. Ejemplos de adjudicaciones libres de impuestos son las canti...
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[]
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[]
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[]
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[]
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[]
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Money that's due to you as the result of a lawsuit. This money may be taxable. Examples of lawsuit proceeds that aren't taxable are amounts awarded to you fo...
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['glossary']
|
['glossary']
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[]
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Cost Sharing Reduction (CSR)
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Reducción de Costos Compartidos
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/glossary/cost-sharing-reduction/
|
Un descuento que disminuye la cantidad que tiene que pagar de su bolsillo por deducibles, copagos y coseguros. En el Mercado de Seguros Médicos, las reduccio...
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[]
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[]
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[]
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[]
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[]
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A discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. In the Health Insurance Marketplace®, cost-sharing reductions...
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['glossary']
|
['glossary']
|
[]
|
Coordination of Benefits
|
Coordinación de beneficios
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/glossary/coordination-of-benefits/
|
Una forma de averiguar quién paga primero cuando 2 o más planes de seguro médico son responsables de pagar la misma reclamación médica.
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[]
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[]
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[]
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[]
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[]
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A way to figure out who pays first when 2 or more health insurance plans are responsible for paying the same medical claim.
|
['glossary']
|
['glossary']
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[]
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Co-op
|
Cooperativa
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/glossary/co-op/
|
Una organización sin fines de lucro en la que los propios dueños están asegurados por la compañía. Las cooperativas pueden estar formadas a nivel nacional, e...
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[]
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[]
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[]
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[]
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[]
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A non-profit organization in which the same people who own the company are insured by the company. Cooperatives can be formed at a national, state, or local ...
|
['glossary']
|
['glossary']
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[]
|
Certified Application Counselor
|
Consejeros certificados para solicitudes
|
/glossary/certified-applicant-counselor/
|
Un individuo (afiliado con una organización designada) que está capacitado y puede ayudar a los consumidores, pequeñas empresas, y a sus empleados que buscan...
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[]
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[]
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[]
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[]
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[]
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An individual (affiliated with a designated organization) who is trained and able to help consumers, small businesses, and their employees as they look for h...
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['glossary']
|
['glossary']
|
[]
|
Centers for Medicare & Medicaid Services (CMS)
|
Centros de Servicios de Medicare y Medicaid (CMS en inglés)
|
/glossary/centers-for-medicare-and-medicaid-services/
|
La agencia federal que administra los programas Medicare, Medicaid y el Programa de seguro médico para los niños, y el Mercado de seguros médicos facilitado ...
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[]
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[]
|
[]
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[]
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[]
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The federal agency that runs the Medicare, Medicaid, and Children's Health Insurance Programs, and the federally facilitated Marketplace. For more informatio...
|
['glossary']
|
['glossary']
|
[]
|
Capital Gains
|
Ganancias sobre el capital
|
/glossary/capital-gains/
|
Una ganancia sobre el capital es la cantidad que usted recibe de la venta de una propiedad, tal como acciones, una casa, o un fondo mutuo. Por ejemplo, si us...
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[]
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[]
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[]
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[]
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[]
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A capital gain is the amount you get from selling property, like stock, a house, or a mutual fund. For example, if you buy stock for $1,000 and sell it for $...
|
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