Key insurance terms that start with "D"

Medical equipment that is prescribed by a doctor and used at home, such as wheelchairs, oxygen tanks, and diabetic supplies. Insurance plans usually cover DME, but you may need to rent or buy it from a plan-approved supplier and may have to pay a copay or coinsurance.

A legal relationship between two unmarried partners. Many health insurance plans now offer domestic partnership benefits, allowing coverage for unmarried couples similar to what spouses receive. You typically need to register your domestic partnership with the plan or state to receive this coverage.

Insurance coverage that includes family members on your health insurance plan. Dependent coverage typically costs more than individual-only coverage but provides protection for multiple family members. Most plans allow coverage of children up to age 26, and sometimes spouses and partners.

A family member who is covered under your health insurance plan. Dependents usually include spouses, children (up to age 26), and sometimes parents or other relatives. You may pay more for coverage that includes dependents than for individual-only coverage.

Insurance coverage for dental health care services like cleanings, fillings, extractions, and root canals. Dental coverage may be included as part of your health insurance plan or purchased separately as a standalone dental plan. It typically requires copays or coinsurance for specific services.

The amount of money you need to pay out of your own pocket for health care services before your insurance plan starts to pay. For example, if you have a $1,500 deductible, you pay the first $1,500 of covered care yourself. After you meet your deductible, your plan begins to pay its share of costs.