Medical services contract

Agreement between an insurer, physician, or provider and a managed care plan; between an insurer and a physician or provider; between a managed care plan and a provider or group of providers; between medical or mental health facilities; and between a medical or mental health clinic and a physician or provider to provide medical or mental health services.

Medical student

Individual who participates in an accredited education program that is not an approved graduate medical education (GME) program. A medical student is never considered to be an intern or a resident. Medicare does not pay for medical services provided by a student.

Medical treatment

In workers’ compensation cases, any medical, surgical, chiropractic, and hospital care including nursing, medicines, medical and surgical supplies, crutches, and artificial members that is reasonably necessary to cure or relieve from the effects of the injury.

Medical underwriting

Process that an insurance company uses to decide, based on the patient’s medical history, whether or not to take his or her application for insurance, whether or not to add a waiting period for preexisting conditions (if the state law allows it), and how much to charge for the insurance plan. The insurance company sets higher premiums for those deemed to be higher medical risks.

medical-legal (ML) evaluation

In workers’ compensation, the independent assessment of an employee that results in the preparation of a narrative medical report prepared and attested to in accordance with the state labor code. It must be performed by either a qualified medical evaluator, agreed medical evaluator, or the primary treating physician for the purpose of proving or disproving a contested workers’ compensation claim.

Medical-legal expense

Any costs and expenses incurred by or on behalf of any party, the administrative director, the board, or a referee for x-rays, laboratory fees, other diagnostic tests, medical reports, medical records, medical testimony, or interpreter’s fees, for the purpose of proving or disproving a contested workers’ compensation claim.