Net premiums, other than level, that are lower for the first year and higher in subsequent years.

In life and health insurance, individual whose physical condition is less than standard or who has a dangerous occupation or hobby (e.g., history of stroke or race driver). An additional premium is required because of the possibility of loss from an impairment. Also called substandard risk or impaired risk .

In workers’ compensation cases, job that has been changed to allow an injured worker to perform (e.g., to alter a workstation so that the job can be done seated instead of standing or to adjust the content of the work to exclude tasks the worker is not able to perform). Also called modified job .

Type of whole life insurance in which the policy owner pays a lower than normal premium for a certain initial period and then the premium increases to a specific amount that is higher than usual, which is then paid for the life of the policy.

1. In Current Procedural Terminology (CPT) coding, a two-character (numeric or alphanumeric) add-on indicator placed after the usual procedure code number to indicate circumstances in which a procedure as performed differs in some way from that described by its usual five-digit code (see Box M-1 ). Also called code modifier . 2. In HCPCS Level II coding, a one- or two-digit alpha or alphanumeric number placed after the usual Level I or II code that helps further describe a procedure or service. Also see Healthcare Common Procedure Coding System (HCPCS) modifiers .Box M-1MODIFIER27372-51 (typed on one line)

CPT modifier used for unusual procedural services. When the services provided are greater than those usually required for the listed procedure, they may be identified by adding modifier -22 to the usual procedure number. A report may also be appropriate. This modifier may affect reimbursement, depending on the payer.

CPT modifier used for unusual anesthesia. Occasionally, a procedure that usually requires either no anesthesia or local anesthesia must be done under general anesthesia because of unusual circumstances. This circumstance may be reported by adding the modifier -23 to the procedure code of the basic service. This modifier may affect reimbursement, depending on the payer.

CPT modifier used for unrelated evaluation and management service by the same physician during a postoperative period. The physician may need to indicate that an evaluation and management service was performed during a postoperative period for a reason(s) unrelated to the original procedure. This circumstance may be reported by adding the modifier -24 to the appropriate level of E/M service. This modifier may affect reimbursement, depending on the payer.