Insurance that provides coverage for all employees regardless of job title, in the event of a financial loss to the employer by the act of an employee.
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This bond covers each listed position with the same amount of coverage for each position. For example, if there are five cashiers listed and a limit of $50,000 per cashier, the bond will pay up to $250,000 (each position times the coverage limit).

Combination of federal and local area wage indexes that was used to phase in a prospective payment system.

Group mortality rates based partially on a group’s experience and partially on manual rates. These rates are used to establish the right group insurance premium rates for intermediate-size groups.

To send resume with cover letter to possible prospects that the individual does not know personally and that have not advertised for a job opening.

Online publications that allow anyone with Internet access to become an instant publisher. Content can range from personal thoughts (diary or journal) to news to analysis or political rants. Also known as weblogs . When physicians or health care workers participate, it is referred to as medical blogging or medblogging . Under HIPAA compliance regulations, patients’ names and clinical information cannot be used in blog messages.

Number of unreplaced pints of whole blood or units of packed red blood cells given to a Medicare patient that he or she is responsible for. A Medicare patient is responsible for paying for the first three pints of blood used in each calendar year unless they are replaced. This policy applies to Medicare Part A and Part B benefits. The Part A blood deductible is reduced to the extent that the blood deductible under Part B is satisfied.

Measure of the amount of urea in the blood, which is the major breakdown product of protein metabolism and is removed by the kidneys. It is determined by a blood test. During kidney failure, urea accumulates in proportion to the degree of kidney failure and to the amount of protein breakdown. Symptoms of uremia correspond roughly to the amount of urea in the blood.

National organization (trade association) headquartered in Chicago that represents state and local Blue Cross and Blue Shield health plans and administers rules and regulations for regional Blue plans. BCBSA acts as the administrator for the Health Care Code Maintenance and helps maintain the HCPCS Level II code system. It is America’s oldest and largest family of health benefits companies and the most recognized brands in the health insurance industry. In 1929 it began by assuring hospital care to Texas teachers and providing physician care to lumber and mine workers in the Pacific Northwest. Regional plans process claims for members who have plan coverage for hospital expenses, outpatient care, other institutional services, home care, dental benefits, and vision care. Most of the affiliated organizations have converted to for-profit status, have plans similar to private insurance companies, and operate in much the same way as other private insurance carriers. Blue Cross/Blue Shield may act as a Medicare fiscal intermediary in certain regions. A provider must be contracted with Blue Cross/Blue Shield to receive payment as a member physician.

Registered symbol of the Blue Cross and Blue Shield Association that is used to identify all Blue Cross plans. It depicts a blue Greek cross with the figure of a man in the heart of the cross and the words Blue Cross. Also see Blue Shield logo .

Corporation that administers a voluntary prepayment medical/surgical/hospital program in a specific region and operates under the membership standards of the Blue Cross and Blue Shield Association (BCBSA). Individuals or groups that join the plan are called members or subscribers , and providers of service that contract with the Blue plan are called member physicians . Also see Blue Shield plan .