In CPT coding of a service or procedure, this is a problem that may not require the presence of the physician, but service is provided under the physician’s supervision.

For retirement plans, a condition that an employee must attain a specific age before being allowed to participate in an employer’s pension plan. Usually pension plans cannot have a minimum age requirement older than age 21.

Core set of screening, clinical, and functional elements used for long-term care patient assessment. Resource utilization group (RUG-III) is a classification system based on MDS. Medicare prospective payment systems and skilled nursing facilities use MDS as the data for classifying patients for case mix. Beginning in June 1998, electronic collection and transmission of MDS data were required.

Agreement that a policy owner can apply the first-year cash value of an insurance policy to the initial premium amount.

System to use policy loans to pay premiums in which the policy owner instructs the insurer to pay the premium out of the policy’s cash value and to bill the policy owner for a premium only if the cash value is insufficient to pay the premium. Also called leveraged business .

Group health insurance plan that is partially self-insured by the group policyholder but fully administered by an insurer. Premiums are low because the group policyholder pays most of the claims.

Lowest premium amount that an insurance company will charge a policyholder for the first year or a specified period of a group insurance policy. Also referred to as minimum premium .

Principle that, to the extent practical, individually identifiable health information should only be disclosed to the extent needed to support the purpose of the disclosure.