In workers’ compensation cases, a written statement of the initial contact of the physician with the injured worker. Each state has a different time frame when this report should be submitted to the workers’ compensation insurance carrier. Also called First Treatment Medical Report and Doctor’s First Report of Occupational Injury or Illness (form) or preliminary report .

Individual who uses a limited amount of equipment to perform initial assessment and intervention and is trained to assist other emergency medical services (EMS) providers. For example, at the scene of a cardiac arrest, the first responder would be expected to notify EMS (if not already notified) and initiate cardiopulmonary resuscitation (CPR) with an oral airway and a barrier device. Many firefighters, police officers, and other emergency workers have this level of training.

Type of insurance (hospital or surgical) policy that pays for the full value of each service up to the insured amount. The insured does not pay a deductible, but there may be copayments.

Amount of money paid to an insurance agent that is based on an insurance policy’s first annual premium.

1. For Medicare, see Medicare administrative contractor (MAC) . 2. For TRICARE and CHAMPVA, the insurance company that handles the claims for care received within a region of the United States and services specific states. Also see TRICARE regions .

State in a managed care organization that has enough operating funds on hand, or in reserve, to cover all expenses associated with services for which it has taken on a financial risk.

1. Any continuous 12-month period used by insurance companies and the government as an accounting period. 2. In the Medicare and TRICARE programs, the federal government’s fiscal year is from October 1 to September 30.