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Health Maintenance Organization (HMO)

A legal entity that provides a set of health services to its members in a geographic area. HMOs are reimbursed through a pre-determined, fixed, periodic prepayment made by or on behalf of each subscriber without regard to the amount of actual services provided.

Homeowners Policy

A "package" or multi-line policy providing the protection needed by most homeowners. The policy provides coverage for losses including but not limited to, fire, water, wind, theft and liability insurance. Coverage is provided for repair/replacement building, contents and additional living expenses.

Hospital Benefits

Benefits payable when an insured is hospitalized