Legal state statute to determine coordination of benefits for primary and secondary carriers of dependent children covered under both parents’ insurance plans. The health plan of the parent whose birthday (month and day, not year) falls earlier in the calendar year pays first, and the plan of the other person covering the dependent is the secondary payer. If both policyholders are born on the same day, the policy that has been in force the longest is the primary policy. Birth year has no relevance in this situation. Also called birthday rule .

Facility, other than a hospital’s maternity department or physician’s office, that is owned and operated by obstetricians or nurse midwives and located near a hospital. It is a less expensive alternative to hospitalization and mainly for low-risk deliveries. It provides a setting for labor, delivery, and immediate postpartum newborn care, as well as immediate care of newborn infants.

One-time release of confidential information form that because of the Health Insurance Portability and Accountability Act (HIPAA) is no longer used. Also see authorization .

Comprehensive group insurance coverage through plans sponsored by professional associations for their members such as athletic teams.
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A contract of health insurance affording benefits, such as accidental death and dismemberment, for all of a class of persons not individually identified. It is used for such groups as athletic teams, campers, travel policy for employees, etc.

MEDICAL,USA: 1. Health insurance benefits under a family subscriber contract for dependents whose names and ages are not stated on the insurance application form. 2. Insurance policy that covers several different properties at either a single location or in different locations. 3. Insurance contract that is issued to cover several individuals such as an athletic team.
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A means of insuring various items of property under one limit of liability.
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Property Insurance that applies a single Policy limit to many types of property at one location or property at two or more locations. Blanket coverage permits property to be moved from one covered location to another without changing the amount of protection.

Insurance that provides coverage for all employees regardless of job title, in the event of a financial loss to the employer by the act of an employee.
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This bond covers each listed position with the same amount of coverage for each position. For example, if there are five cashiers listed and a limit of $50,000 per cashier, the bond will pay up to $250,000 (each position times the coverage limit).

Combination of federal and local area wage indexes that was used to phase in a prospective payment system.

Group mortality rates based partially on a group’s experience and partially on manual rates. These rates are used to establish the right group insurance premium rates for intermediate-size groups.

To send resume with cover letter to possible prospects that the individual does not know personally and that have not advertised for a job opening.