Services for International Employees & Scholars

Health Care Glossary

This is a list of terms you should be familiar with when deciding which insurance option is the best for you.

 

Ancillary Service
Services rendered by health care providers other than a physician, such as laboratory, radiology or other diagnostic imaging, physical therapy or other service.

Annual Maximum
The amount of payments for medical services that an insurance plan will make in a year.  Any amounts incurred during the year above the annual maximum are the insured person’s responsibility.

Co-Insurance
A percentage of the cost of service that the insured person has to pay.  For example, a plan may pay 80% of the charges and you pay 20%.

Co-pay
The amount that an insured person must pay for a covered service, in addition to the insurance payment.  For example, most HMOs have a co-payment of $10-$25 for each doctor’s office visit and $250 for each hospitalization.

Covered Expense
Medical expenses incurred by an insured person that meet the insurance company’s requirements for being eligible for benefit payments.

Deductible
The amount that must be paid by the insured person for health care services before the insurance company will pay claims.

Emergency
An emergency is a sudden, serious, and unexpected acute illness, injury or condition that you reasonably perceive could permanently endanger your health if medical treatment is not received immediately. Usually the insurance company has sole and final determination as to whether services were rendered in connection with an emergency.

Lifetime Maximum
The amount of total claim payments an insurance plan will make for one patient the entire time they are covered by the plan.

Premium
The rate you pay to be enrolled in the insurance plan.

Reasonable Charges
A charge considered not to be excessive based on the circumstances of the care provided including:

  • Level of skill or experience involved;
  • The prevailing or common cost of similar services or supplies; and
  • Any other factors that determine value

 

Sickness
A sudden, serious, or unexpected illness, which requires immediate care for the relief of severe pain or diagnosis and treatment of such condition.


International Calendar

One of the first 12 intensive English programs in the United States
Each semester year, the AEC enrolls about 250 students representing more than 35 countries on six continents.
Start working on your degree now! You can take university classes for credit at the same time you are taking English classes.
Earn university credits now! You can use 9 AEC credits as elective credits toward your KU degree in the College of Liberal Arts & Sciences, Business, and Architecture.
Fulfill a university requirement! Completion of your English proficiency requirements means you have finished your foreign language requirement at the University of Kanas.
We have computers just for you! The AEC has its own computer lab that AEC students can use for free.
We have tutoring just for you! The AEC has an Academic Resource Center where AEC students can get free tutoring from AEC teachers.
We have Conversation Groups just for you! You can practice your English language conversation skills at our AEC Conversation Groups.
Need help? Have a question? The AEC has a team of cross-cultural advisors ready to answer your questions and help you with any problem you are facing.
We are experts at what we do! AEC faculty and administrators have a total of 701 years in International Education.