Interconnected computers that cover a large geographical area (e.g., America Online).

1. Pertaining to voluntary ending of an insurance agreement by the insured (policyholder). 2. Related to a provider withdrawing from treating a patient.

Clause in a universal life insurance or annuity policy that allows the policy owner to reduce the amount in the policy’s cash value by taking that amount in cash. Also known as partial surrender provision .

1. Portion of the monthly capitation payment to physicians retained by the health maintenance organization (HMO) until the end of the year to create an incentive for efficient care. If the physician exceeds utilization norms, he or she will not receive it. Also called withhold incentive . 2. Percentage of payment or set dollar amounts that are deducted from the payment to the physician group/physician that may or may not be returned depending on specific predetermined factors.

Account established to cover use of medical services that exceed the managed care plan budget. The funds are given to participating providers when medical services do not exceed the budget.

Total amount that a health maintenance organization (HMO) retains from the providers’ payments until the end of the year. Cost of referrals and medical services that are considered excessive are held back by the HMO.