Traditional health insurance plan, also known as fee-for-service . See fee-for-service (FFS) reimbursement .

Health insurance plan in which the insured pays 100% of all medical bills until he or she reaches the annual deductible and then the insurance company pays a percentage of covered benefits up to a maximum amount. Most indemnity plans pay 80% of total charges, leaving policyholders with a 20% coinsurance. The insured may obtain care from any health care provider and the provider is paid each time a service is rendered on a fee-for-service basis. The insured pays a fixed monthly premium, but these plans are more expensive than a managed care plan. These plans often provide coverage only for medically necessary doctor visits and not preventive care. A “pure” indemnity plan has no controls on utilization or price; a “managed” indemnity plan incorporates some utilization review and case management. Schedule of allowances, table of allowances, and usual, customary, and reasonable (UCR) are examples of indemnity plan fee schedules. Also known as indemnity insurance, conventional group insurance , and traditional insurance .

In ICD’9’CM, codes listed after stand-alone codes whose descriptions have a dependent status. To read the description, you must first read the description of the stand-alone code that comes before the semicolon (;) and then continue with the indented description listed by the subsequent code (indented code).

Individual who agrees to work under a negotiated contract (written or verbal) but is not under the control or an employee of the person or company with which the contract is made.

Medicare provider or supplier that furnishes diagnostic tests such as a physician, group of physicians, or laboratory. Also called testing facility .

Freestanding clinical laboratory that meets conditions for participation in the Medicare program and bills through a carrier. It is not connected with a hospital, clinic, or physician’s office. It is certified to perform diagnostic and/or clinical tests independent of an institution or a physician’s office.

Licensed insurance broker who operates independently and sells certain types of insurance products or handles estate planning.