N-O

N

Network- A group of doctors, hospitals, pharmacies, and other health care experts hired by a health plan to take care of its members.*

Non-Covered Charges-Charges for medical services denied or excluded by your insurance. You may be billed for these charges.

Non-Participating Provider- A doctor, hospital, or other healthcare provider that is not part of an insurance plan’s doctor or hospital network.

Nursery -Nursing care charges for newborn babies.

O

Observation - Type of service used by doctors and hospitals to decide whether you need inpatient hospital care or whether you can recover at home or in an outpatient area. Usually charged by the hour.

Oncology - Charges for treating cancer and related diseases.

Operating Room- A hospital or clinic area where surgeries are done.

Other Room and Board -Any extra charges that cannot be included in routine room and board charges.

Out of Network Provider-A doctor or other healthcare provider who is not part of an insurance plan's doctor or hospital network.

Out-of-Pocket Costs -Costs you must pay because Medicare or other insurance does not cover them.

Outpatient (OP) – Patient who does not need to stay overnight in a hospital. Outpatient services include lab tests, x-rays, and some surgeries.

Outpatient Service -A service you receive in one day at a hospital or clinic without staying overnight.

Over-the-Counter Drug- Drugs not needing a prescription that you buy at a pharmacy or drug store.