Category of individuals who have such a high risk of loss that an insurance company will not insure them.

Individuals who have no health insurance coverage either privately or via state or government programs.

1. Insurance coverage for damages as a result of an accident involving a hit-and-run driver or a driver who does not have insurance. 2. Under Medicare Secondary Payer guidelines, this is described as liability insurance under which the policyholder’s insurer pays for damages caused by a motorist who has no automobile liability insurance, carries less than the amount of insurance required by law, or is underinsured.

Financial account created by a union and one or more employers to which employers may contribute so that group benefits are available to the members of the union. Also called union welfare trust .

Six-character, alphanumeric number issued by the Medicare fiscal intermediary to each physician who rendered medical services to Medicare recipients; required for identification purposes on the CMS-1500 claim form. It tracked payments and utilization information of each provider. UPINs have been replaced by national provider identifiers (NPIs). See national provider identifier (NPI) .

Method for calculating benefits for a defined benefit pension plan based on either years of service or years of service and earnings.

Retirement plan in which a specific period of retirement income (dollar amount or percentage) is credited to an employer for each year of service with the employer.

Amount added to, or subtracted from, the hospital input price index to yield the prospective payment system (PPS) update factor.

Standard measurement of medical care on a referral (e.g., inpatient hospital stays are measured in days, mental health or office visits are measured in units).