additional medical services (other than room and board charges) such as X-rays, anesthesia, lab work, etc. During John's hospital stay, his _______ charges far exceeded his room and board charges.

A physician or other professional who has passed an examination which certifies him or her as a specialist in a particular medical area. It's wise to have competent _______ health care providers performing any procedures on you.

in major medical policies, allowing an insured who has submitted no claims during the year to apply any medical expenses incurred in the last three months of the year toward the new calendar year's deductible A quick check of your health insurance policies to see if they include a _______, can save you money in meeting your annual deductibles.

a facility such as a nursing home which is licensed to provide 24-hour nursing care service in accordance with state and local laws It can very costly to receive healthcare at _______.