HM

HCPCS Level II modifier that may be used with CPT or HCPCS Level II codes indicating a service provided by an individual without a bachelor’s degree. This modifier may be required for state Medicaid programs, so check with your state guidelines.

HN

HCPCS Level II modifier that may be used with CPT or HCPCS Level II codes indicating a service provided by an individual with a bachelor’s degree. This modifier may be required for state Medicaid programs, so check with your state guidelines.

HO

HCPCS Level II modifier that may be used with CPT or HCPCS Level II codes indicating a service provided by an individual with a master’s degree. This modifier may be required for state Medicaid programs, so check with your state guidelines.

Hoardings Insurance

This Insurance provides cover in respect of loss or damage to the hoarding installation by (a) accidental external means, or (b) Fire lightning, external explosion or theft. Act of God perils and legal liability towards third parties may also be covered on payment of additional premium.

Hold back

When a replacement cost policy is triggered due to a loss, most policies pay the actual cash value of the lost or damaged articles immediately and then the full replacement cost once the repair or replacement is done. The differences between these two limits is called a hold back.

Hold harmless agreement

MEDICAL,USA: 1. Liability of one entity is assumed by a second entity (insurance company). 2. Clause in an insurance contract that relieves the insurance payer of liability that may arise from the delivery of health care. 3. Provision that offers the insured protection in disputes between the insurer and the provider of a covered service. Also called hold harmless provision .
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UK: A contractual arrangement whereby one party assumes the liability of another party. The effect is to transfer the potential financial loss. A tenant may hold his landlord ‘harmless’ against claims by injured third parties. The term is synonymous with ‘indemnity agreement’ but some purists make a distinction. They regard ‘hold harmless’ as paying on behalf of the indemnitee while ‘indemnity’ means reimbursing him after he has first paid the loss himself. It is customary for public and employers’ liability policies to provide a principal’s clause under which, subject to policy terms, any indemnity granted by an insured to his principal, is covered by insurance.
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A contractual assumption by one party of the liability exposure of another. Lease agreements, for example, commonly require the tenant to hold the landlord harmless for bodily injury to property damage experienced by others on the premises.

Hold harmless clause

1. Provision in an insurance contract in which the liability of one party is assumed by a second party, usually the insurance company. 2. Legal section often used in managed care contracts that states if either the managed care plan or participating provider is held liable for corporate malfeasance or malpractice, the provider agrees not to sue or make any claims against a plan member. 3. Legal paragraph in a managed care contract that prohibits a provider from billing members (patients) if the managed care plan becomes insolvent or fails to meet its financial obligations. This is required by some state regulations. Also called no balance billing clause . 4. In cancer hospitals, the financial protection that ensures the hospitals recover all losses because of differences in their ambulatory payment classification (APC) payments and the pre-APC payments for Medicare outpatient services.
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Clause written into a contract by which one party agrees `to release another party from all legal liability, such as a retailer who agrees to release the manufacturer from legal liability if the product injures someone.