Provision in a life insurance policy that protects its proceeds from being seized by the beneficiary’s creditors.

In Medicare fraud, to use a separated or divided billing scheme such as billing procedures over a period of days when all treatment occurred during one visit.

Type of retirement plan in which contributions are shared between the insured and an uninsured plan to have advantages of guaranteed income and investment flexibility.

System of funding a retirement plan in which part of the total contributions are used to purchase a permanent life insurance policy and the remainder of the funds are used to purchase another fund held and invested by a trustee.

1. In disability income insurance, employer and employee each pay a portion of the premium. The employer pays for coverage for sick pay or paid disability leave as an employee benefit. The employee pays for disability coverage beyond what the employer provides. 2. In life insurance, premiums, ownership, and death proceeds are paid jointly by an employer and an employee. The employer may elect to pay part or all of the premium. If the employee dies, a beneficiary receives the difference between the cash value and the amount paid to the employer, whichever is greater. Two types of split-dollar life insurance policies are endorsement and collateral.

Medically necessary patient encounter in which the physician and a qualified nonphysician practitioner each personally perform a substantive part of an evaluation and management visit (e.g., all or a part of the history, examination, or medical decision-making), face to face with the same patient on the same date of service.

1. For the TRICARE program, the service person, either active duty, retired, or deceased, whose relationship makes the patient (dependent) eligible for TRICARE. 2. In managed care, large business that purchases health insurance directly from the accountable health partnerships (AHPs).

Family member who is financially supported by the insured and relies on the insured for more than half of his or her support as per the Internal Revenue Service definition.