Method used for individual insurance that hires agents to collect premiums and give service at the policy owner’s residence. The agent works in a defined geographical territory. See also home service agent .

Understanding of a manufacturer and a distributor in which an insurance company selects not to offer a certain product or product line but acts as a brokerage general agent for specific product lines manufactured by another insurer.

1. Situation in which an individual is normally unable to leave home unassisted and to try to leave home takes considerable and taxing effort. Such a person may leave home for medical appointments; medical treatment; or short, infrequent absences for nonmedical reasons such as a trip to the barber or to attend a religious service. 2. In Medicare, one of the requirements to qualify for home health care.

In-home health with meal preparation, shopping, light housekeeping, money manage- ment, personal hygiene, grooming, and laundry.

One of the official compendia in the United States. Also see compendium, National Formulary , and United States Pharmacopoeia (USP) .

System of therapeutics based on the theory that was advanced in the late eighteenth century by Dr. Samuel Hahnemann, who believed that a large amount of a particular drug may cause symptoms of a disease and moderate dosage may reduce or relieve those symptoms; thus some disease symptoms could be treated by small doses of medicine.

Package policy that provides both property and personal liability insurance. It may cover the house, garage, other structures on the property, personal property inside the house and offer protection against fire, windstorm, riot or civil commotion, theft, vandalism, and accidental water damage from plumbing, a heating or air conditioning system, or a domestic appliance depending on the extent of the policy. Also called homeowner’s multiperil insurance .

Cost of homeowner’s insurance, which may depend on its location, age, construction, and replacement costs.

Merger between health care facilities that provides the same level of services (e.g., hospital with outpatient clinic).