Effective Date

The date your insurance coverage will begin. You are not covered until the policy's effective date.

Employee Assistance Programs (EAPs)

Mental health counseling services that are sometimes offered by insurance companies or employers. Typically, individuals or employers do not have to pay for EAP services directly.


Medical services that are not covered by an individual's insurance policy.

Explanation of Benefits

The insurance company's written explanation to a claim, showing what they paid and what the client must pay. If appropriate, the explanation is accompanied by a benefits check.