Parol evidence

Word of mouth evidence in court. While not generally admissible to contradict the written policy, there are exceptions that allow the parties to bring evidence that they contracted otherwise than in accordance with the terms used to express their agreement, e.g. the policy was obtained by fraud.

Parole Evidence Rule

When the parties to a contract have purported to embody their contract in writing, that writing is the contract and all of the contract; therefore no evidence is admissible to prove any terms of the contract different from, or in addition to, those set forth in writing.

Part B hospital insurance coverage

Generally Medicare Part B is for medical insurance. However, Part B hospital insurance coverage applies under the following circumstances: (1) when a beneficiary receives inpatient hospital services and these cannot be reimbursed under Part A because the benefits are exhausted either before or after admission and before the stay reaches outlier status; (2) the outlier days are not covered or the waiver of liability payment is not made; (3) a noncovered level of care is received; or (4) the patient is not entitled to Part A or elects not to use lifetime reserve days. See Medicare Part B.