Living quarters composed of rental units in which services are not included as part of the rent. However, services may be available at the site and purchased by the residents for additional fees.

Association that contracts with an insurance company to distribute and carry out other marketing for the company’s products.

In workers’ compensation cases or disability cases, an impartial examination by a physician to settle a dispute about the nature and extent of an illness or injury.

Physician who is certified by the Industrial Medical Council (IMC) and conducts medicolegal evaluations of injured workers in workers’ compensation cases for insurance companies or workers’ compensation appeals board. IMEs render an unbiased opinion about the degree of disability of an injured worker. In addition to workers’ compensation cases, sometimes an IME is required for disability insurance, liability lawsuit, or other legal proceedings. May be referred to as agreed medical evaluator (AME) or qualified medical evaluator (QME) .

Physicians who make examinations of individuals, independent of the attending physician, and render an unbiased opinion regarding the degree of disability of a worker. IMEs are appointed by the referee or appeals board at state expense when a judge thinks additional medical evidence is necessary to provide a basis for a decision on an issue presented by the involved parties.

Type of managed care organization (MCO) in which a program administrator contracts with a number of physicians who agree to provide treatment to members (subscribers) in their own offices. This is a group association that has no common facilities and is open-panel because a physician’s practice is not limited to IPA patients. Physicians are not employees of the MCO and are not paid salaries. They receive reimbursement on a capitation or fee-for-service basis; also referred to as a medical capitation plan . Also known as individual practice organization (IPO) .

Independent insurance agents or agencies that distribute many property/casualty insurance industry products from what is commonly known as independent agency system or American Agency System .

Type of nonparticipating whole life insurance that specifies both a maximum possible premium rate and a lower premium rate. The policy owner pays the lower rate for a certain period from when the policy is purchased and later the rate changes depending on the investment earnings of the insurance company. The premium rate will never be greater than the maximum premium rate. Also called flexible premium life insurance, nonguaranteed premium life insurance , and variable premium life insurance .

First infected person who started the outbreak of a disease (e.g., state department of health will investigate students attending a school to locate the index case of an outbreak of meningitis).

Space-saving rule used in the Index, which is the last section of the annually published Current Procedural Terminology code book. For example:KneeIncision (of)In this example, the word in parentheses (of) does not appear in the Index, but it is inferred. As another example:PancreasAnesthesia (for procedures on)In this example, because there is no such entity as pancreas anesthesia , the words in parentheses are inferred (i.e., anesthesia for procedures on the pancreas).