Group health insurance plan that is partially self-insured by the group policyholder but fully administered by an insurer. Premiums are low because the group policyholder pays most of the claims.

Lowest premium amount that an insurance company will charge a policyholder for the first year or a specified period of a group insurance policy. Also referred to as minimum premium .

Principle that, to the extent practical, individually identifiable health information should only be disclosed to the extent needed to support the purpose of the disclosure.

In retirement plans, a condition that an employee complete a specific period of employment before participating in the employer’s pension plan.

Policies declared official in 1974 by the National Association of Insurance Commissioners (NAIC) for setting insurance categories for basic forms of coverage with necessary minimum benefits.

1. Surgical procedure with 0 to 10 follow-up days that may be considered by third-party payers to be part of the surgical package or Medicare global package for a primary surgical service. It cannot be billed separately from the primary operative procedure. 2. Medical procedure that takes 5 minutes or less and involves relatively little decision-making once the need for the operation is determined (e.g., simple sutures, chest tubes, débridements).