Electrical conduit. This illustration shows electrical conduit risers, looking up inside a fire-resistance rated shaft, as seen entering bottom of a firestop. The firestop is made of firestop mortar on top and mineral wool on the bottom. Raceways are used to protect cables from damage.
FSAs cannot be used to pay health insurance premiums, but they are designed to augment health plans. You can pay deductibles and co-pays, as well as for treatments and prescription drugs excluded from coverage by your health insurance.
Indemnity insurance. An indemnity insurance policy pays up to a fixed amount when you make a claim, often on a per-day basis. The premiums on health insurance indemnity plans may be lower than on other heathcare plans, but the fixed payments may cover only a portion of your medical bills. Some people use indemnity plans as supplements to, rather than substitutes for, more comprehensive health insurance.