Local Agent

A producer of insurance whose activities are purely of local extent. Local Authorities Clause under Standard Fire and Special Perils Policy : Reinstatement value policy may be extended to cover additional cost of reinstatement solely by reason of the necessity to comply with the regulations of the local authority. No additional premium.
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An agent who works on behalf of the insurance companies in a small territory in a sales and service capacity. The agent is an independent contractor who earns commission on sales.

Local anesthesia

Absence of sensation in a small area of the body that is time limited. It may be brought on by various anesthetic medications administered through local tissue infiltration, topical application, or subcutaneous or intradermal field block or nerve block injection. Benefits include reduced cost, ease of administration of medication, low toxicity, and quick recovery.

Local code(s)

Generic term for code values that are defined for a state or other political subdivision, or for a specific payer. This term applies to state-assigned institutional (hospital facility) revenue codes, condition codes, occurrence codes, value codes, and so on. Previously this term was most commonly used to describe Level III HCPCS regional/local codes, but these have been discontinued.

local coverage determination (LCD)

Decision by a Medicare fiscal intermediary whether to cover a particular service on an intermediary-wide or carrier-wide basis in accordance with the Social Security Act. This determination is based on whether the service is considered reasonable and necessary. The difference between local medical review policies (LMRPs) is that LCDs consist of only “reasonable and necessary” information, whereas LMRPs may also contain cate- gory or statutory provisions. Formerly known as local medical review policy (LMRP) .

local medical review policy (LMRP)

Regional guideline or rule used to make local Medicare medical coverage decisions because a national coverage regulation is absent. Such policies were developed after review of medical literature, local practice, and comments from the medical community and Carrier Advisory Committee. Beginning December 7, 2003, all LMRPs were converted to local coverage determinations (LCDs). See local coverage determination (LCD) .