Occupational Disease

Impairment of health which has been caused by continued exposure to conditions inherent in a person's occupation or a disease caused by employment or resulting from the nature of employment.

Office Visit

Health care services provided in the physician's office.

Open Access

Also called open panel, allows participant to see another participating service provider without a referral.

Open Enrollment Period

Period during which members elect to be included under an alternate plan, usually without providing evidence of insurability.

Optionally Renewable

Contract in which an insurer reserves the unrestricted right to terminate coverage at any anniversary or at any premium due date.

Out-of-Pocket Costs

Amounts insured must pay out of their own pocket, including such things as coinsurance, deductibles, etc.

Out-of-Pocket Limit

Maximum coinsurnace insured is required to pay, after which the insurer will pay 100% of covered expenses up to policy limit.

Outpatient

One who is not a bed patient in the hospital in which they are receiving treatment.

Over-The-Counter Drugs (OTC)

Drug that can be purchased without a prescription.