1. System of billing members or subscribers of insurance policies for the premium payments, and they pay directly to their health plans. Direct pay rates are usually higher than group rates. Also called billed direct or billed-at-home . 2. Phrase used when the patient pays straight to the physician or health care provider for medical services rendered.

Individual enrolled in a managed care plan who pays premiums to the plan instead of through a group. Usually, payment is higher and benefits are not as wide ranging as the subscriber enrolled and paying as a member of the group.

Sale of a whole issue of bonds or stock to one or two large institutional clients without them being offered publicly.

Property or casualty insurance premiums that are collected by the insurance company from the insured, before reinsurance is ceded to, or accepted from, another company.
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Premiums collected from policyholders before premiums for reinsurance are paid.

Simplified authorization request form completed and signed by physician and handed to the patient at the time of referral.

Method used in insurance to generate sales such as advertisements, telephone solicitations, and mailings. Insurance agents do not visit consumers to produce sales.

Method of selling insurance products directly to the consumer, which includes direct mail and advertising in print, radio, television, or by telephone without the use of insurance agents.