ST

HCPCS Level II modifier that may be used with CPT or HCPCS Level II codes indicating trauma or injury.

Stacking

1. Situation in which an insurance policy covers two scheduled items of real or personal property and the coverage should be twice the stated limit in the policy. 2. In a retirement plan, when no effort is made to put together benefits from a public and a private pension plan—the plans are “stacked.”

Staff model

Type of health maintenance organization (HMO) in which the health plan hires physicians, nurses, and other medical professionals directly and pays them a salary. They provide services at plan-owned facilities. Patients pay low premiums and have few out-of-pocket expenses but must choose doctors within the plan. Also see group model health maintenance organization (HMO) .

Staging

Find out the distinct phases in the course of a disease or the life history of an organism or biological process (e.g., in cancer to ascertain whether the disease process is at the primary site or has spread [metastasized]). Also called disease staging or staging of disease .

Standard

1. Under the Health Insurance Portability and Accountability Act (HIPAA), rule, condition, or requirement that describes products, systems, services, or practices with respect to the privacy of individually identifiable health information. 2. In a workers’ compensation case, permanent disability (PD) rating before adjustment for age or occupation (e.g., “the rating was 30% standard” or “we settled for the standard PD”).

Standard benefit package

1. Stated set of health insurance benefits that all insurance plans are required to offer. 2. In managed care plans, package of medical services that must be provided to individuals, small businesses, and large businesses at competitive rates (e.g., preventive care, hospital and physician services, prescription medications).