Anchor group

Large medical group composed of multispecialists with multidisciplines that under managed care contracts handle the bulk of treatments and referrals of member patients and carry most of the clinical risk. Also called key groups or core groups.

Ancillary

Supplemental health care service required as part of giving other care such as anesthesia, laboratory, pharmacy, and radiology; other than routine hospital services (room, board, medical and nursing services).

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Fees charged for additional services (other than room and board charges), such as x-rays, anesthesia, lab work, etc. The term may also be used to describe the charge made by a pharmacy for prescriptions which exceed the health insurance policy’s maximum allowable cost.

 

Ancillary activities clause

Support activities so closely related to the ‘Business of the insured that they are regarded as integral to it. The definition of ‘Business’ in liability policies extends to include ownership, maintenance and repair of premises, the provision and management of canteens, social, sports or welfare organisations for the benefit of employees and the insured’s ambulance, first aid (excluding medical practitioners) and fire services. The private work clause brings in a non-business situation, i.e. cover applies to the execution of private work by employees for any director or senior official of the insured.

Ancillary charge

Fee for an ancillary service that is sometimes billed as an additional service such as anesthesia, laboratory, pharmacy, or radiology charge and which may exceed the managed care plan’s maximum allowable.

Ancillary medical services

1. Supportive professional services other than room, board, and routine hospital services that are incidental to the hospital stay and provided by the facility such as ambulance, anesthesia, blood administration, drugs, laboratory tests, pharmacy, operating room, x-rays, medical, surgical, and central supplies; physical, occupational, and speech therapy; and inhalation therapies. Also called inpatient ancillary services. 2. In a medical office setting, ancillary medical services may consist of diagnostic tests such as x-rays or laboratory tests.

Ancillary risk

For an insurer, authorised by the FSA to insure a principal risk under one of the general classes of insurance, it means a risk included in another class that is connected with the principal risk. Ancillary risks can be insured (a) when concerned with the object covered against the principal risk, and (b) when included in the same policy covering the principal risk. However, risks arising under credit insurance, suretyship and legal expense insurance cannot be treated as ancillary risks but legal expenses cover permitted as ancillary in travel policies, or when connected with the use of sea-going vessels.