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A
1. access. A person's ability to obtain affordable medical care on a timely basis.
2. accreditation.1 An evaluative process in which a healthcare organization undergoes an examination of its operating procedures to determine whether the procedures meet designated criteria as defined by the accrediting body, and to ensure that the organization meets a specified level of quality.
3. ACF. See ambulatory care facility.
4. acquisition. The purchase of one organization by another organization.
5. ACR. See adjusted community rating.
6. actuaries. The insurance professionals who perform the mathematical analysis necessary for setting insurance premium rates.
7. adjusted community rating (ACR). A rating method under which a health plan or MCO divides its members into classes or groups based on demographic factors such as geography, family composition, and age, and then charges all members of a class or group the same premium. The plan cannot consider the experience of a class, group, or tier in developing premium rates. Also known as modified community rating or community rating by class.
8. administrative services only (ASO) contract. The contract between an employer and a third party administrator.
9. adverse selection. See antiselection.
10. agent. A person who is authorized by an MCO or an insurer to act on its behalf to negotiate, sell, and service managed care contracts.
11. aggregate stop-loss coverage. A type of stop-loss insurance that provides benefits when a group's total claims during a specified period exceed a stated amount.
12. ambulatory care facility (ACF). A medical care center that provides a wide range of healthcare services, including preventive care, acute care, surgery, and outpatient care, in a centralized facility. Also known as a medical clinic or medical center.
13. ancillary services.2 Auxiliary or supplemental services, such as diagnostic services, home health services, physical therapy, and occupational therapy, used to support diagnosis and treatment of a patient's condition.
14. annual maximum benefit amount. The maximum dollar amount set by an MCO that limits the total amount the plan must pay for all healthcare services provided to a subscriber in a year.
15. antitrust laws. Legislation designed to protect commerce from unlawful restraint of trade, price discrimination, price fixing, reduced competition, and monopolies. See also Sherman Antitrust Act, Clayton Act, and Federal Trade Commission Act.
16. appropriate care.3 A diagnostic or treatment measure whose expected health benefits exceed its expected health risks by a wide enough margin to justify the measure.
17. appropriateness review. An analysis of healthcare services with the goal of reviewing the extent to which necessary care was provided and unnecessary care was avoided.
18. ASO contract. See administrative services only contract.
19. associate medical director.4 Manager whose duties are often defined as a subset of the overall duties of the medical director.
20. at-risk. Term used to describe a provider organization that bears the insurance risk associated with the healthcare it provides.
21. autonomy.5 An ethical principle which, when applied to managed care, states that managed care organizations and their providers have a duty to respect the right of their members to make decisions about the course of their lives.

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B
1. behavioral healthcare. The provision of mental health and substance abuse services.
2. beneficence.6 An ethical principle which, when applied to managed care, states that each member should be treated in a manner that respects his or her own goals and values and that managed care organizations and their providers have a duty to promote the good of the members as a group.
3. benefit design. The process an MCO uses to determine which benefits or the level of benefits that will be offered to its members, the degree to which members will be expected to share the costs of such benefits, and how a member can access medical care through the health plan.
4. blended rating. For groups with limited recorded claim experience, a method of forecasting a group's cost of benefits based partly on an MCO's manual rates and partly on the group's experience.
5. brand. A name, number, term, sign, symbol, design, or combination of these elements that an organization uses to identify one or more products.
6. broker. A salesperson who has obtained a state license to sell and service contracts of multiple health plans or insurers, and who is ordinarily considered to be an agent of the buyer, not the health plan or insurer.
7. business integration. The unification of one or more separate business (nonclinical) functions into a single function.

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C
1. capitation.7 A method of paying for healthcare services on the basis of the number of patients who are covered for specific services over a specified period of time rather than the cost or number of services that are actually provided.
2. capped fee. See fee schedule.
3. captive agents. Agents that represent only one health plan or insurer.
4. carve-out. Specialty health service that an MCO obtains for members by contracting with a company that specializes in that service. See also carve-out companies.
5. carve-out companies. Organizations that have specialized provider networks and are paid on a capitation or other basis for a specific service, such as mental health, chiropractic, and dental. See also carve-out.
6. case management. A process of identifying plan members with special healthcare needs, developing a health-care strategy that meets those needs, and coordinating and monitoring the care, with the ultimate goal of achieving the optimum healthcare outcome in an efficient and cost-effective manner. Also known as large case management (LCM).
7. case-mix adjustment. See risk-adjustment.
8. categorically needy individuals. Enrollees in Medicaid programs who meet traditional Medicaid age and income requirements.
9. certificate of authority (COA). The license issued by a state to an HMO or insurance company which allows it to conduct business in that state.
10. CHAMPUS. See Civilian Health and Medical Program of the Uniformed Services.
11. Children's Health Insurance Program (CHIP). A program, established by the Balanced Budget Act, designed to provide health assistance to uninsured, low-income children either through separate programs or through expanded eligibility under state Medicaid programs.
12. CHIP. See Children's Health Insurance Program.
13. Civilian Health and Medical Pro- gram of the Uniformed Services (CHAMPUS). A program of medical benefits available to inactive military personnel and military spouses, dependents, and beneficiaries through the Military Health Services System of the Department of Defense. See also TRICARE.
14. claim. An itemized statement of healthcare services and their costs provided by a hospital, physician's office, or other provider facility. Claims are submitted to the insurer or managed care plan by either the plan member or the provider for payment of the costs incurred.
15. claim form. An application for payment of benefits under a health plan.
16. claimant. The person or entity submitting a claim.
17. claims administration. The process of receiving, reviewing, adjudicating, and processing claims.
18. claims analysts. See claims examiners.
19. claims examiners.8 Employees in the claims administration department who consider all the information pertinent to a claim and make decisions about the MCO's payment of the claim. Also known as claims analysts.
20. claims investigation.9 The process of obtaining all the information necessary to determine the appropriate amount to pay on a given claim.
21. claims supervisors. Employees in the claims administration department who oversee the work of several claims examiners.
22. Clayton Act. A federal act which forbids certain actions believed to lead to monopolies, including (1) charging different prices to different purchasers of the same product without justifying the price difference and (2) giving a distributor the right to sell a product only if the distributor agrees not to sell competitors' products. The Clayton Act applies to insurance companies only to the extent that state laws do not regulate such activities. See also antitrust laws.
23. clinic model. See consolidated medical group.
24. clinical integration. A type of operational integration that enables patients to receive a variety of health services from the same organization or entity, which streamlines administrative processes and increases the potential for the delivery of high-quality healthcare.
25. clinical practice guideline. A utilization and quality management mechanism designed to aid providers in making decisions about the most appropriate course of treatment for a specific clinical case.
26. clinical status. A type of outcome measure that relates to improvement in biological health status.
27. closed access. A provision which specifies that plan members must obtain medical services only from network providers through a primary care physician to receive benefits.
28. closed formulary.10 The provision that only those drugs on a preferred list will be covered by a PBM or MCO.
29. closed-panel HMO. An HMO whose physicians are either HMO employees or belong to a group of physicians that contract with the HMO.
30. closed PHO. A type of physician-hospital organization that typically limits the number of participating specialists by type of specialty.
31. closed plans. According to the NAIC's Quality Assessment and Improvement Model Act, managed care plans that require covered persons to use participating providers.
32. CMP. See competitive medical plan.
33. COA. See certificate of authority.
34. COBRA. See Consolidated Omnibus Budget Reconciliation Act.
35. coinsurance. A method of cost-sharing in a health insurance policy that requires a group member to pay a stated percentage of all remaining eligible medical expenses after the deductible amount has been paid.
36. community rating. A rating method that sets premiums for financing medical care according to the health plan's expected costs of providing medical benefits to the community as a whole rather than to any sub-group within the community. Both low-risk and high-risk classes are factored into community rating, which spreads the expected medical care costs across the entire community.
37. community rating by class (CRC). The process of determining premium rates in which a managed care organization categorizes its members into classes or groups based on demographic factors, industry characteristics, or experience and charges the same premium to all members of the same class or group. See adjusted community rating (ACR).
38. compensation committee. Committee of the board of directors that sets general compensation guidelines for a managed care plan, sets the CEO's compensation, and approves and issues stock options.
39. competitive advantage. A factor, such as the ability to demonstrate quality, that helps a managed care organization compete successfully with other MCOs for business.
40. competitive medical plan (CMP). A federal designation that allows a health plan to enter into a Medicare risk contract without having to obtain federal qualification as an HMO.
41. concurrent authorization. Authorization to deliver healthcare service that is generated at the time the service is rendered.
42. conflict of interest. For an MCO board member, a conflict between self-interest and the best interests of the plan.
43. consolidated medical group. A large single medical practice that operates in one or a few facilities rather than in many independent offices. The single-specialty or multi-specialty practice group may be formed from previously independent practices and is often owned by a parent company or a hospital. Also known as a medical group practice or clinic model.
44. Consolidated Omnibus Budget Reconciliation Act (COBRA). A federal act which requires each group health plan to allow employees and certain dependents to continue their group coverage for a stated period of time following a qualifying event that causes the loss of group health coverage. Qualifying events include reduced work hours, death or divorce of a covered employee, and termination of employment.
45. consolidation. A type of merger that occurs when previously separate providers combine to form a new organization with all the original companies being dissolved.
46. contract management system. An in- formation system that incorporates membership data and reimbursement arrangements, and analyzes transactions according to contract rules. The system may include features such as decision support, modeling and forecasting, cost reporting, and contract compliance tracking.
47. copayment. A specified dollar amount that a member must pay out-of-pocket for a specified service at the time the service is rendered.
48. corporation. A type of organizational structure that is an artificial entity, invisible, intangible, and existing only in contemplation of the law.
49. CRC. See community rating by class.
50. credentialing. The process of obtaining, reviewing, and verifying a provider's credentials—the documentation related to licenses, certifications, training, and other qualifications—for the purpose of determining whether the provider meets the MCO's preestablished criteria for participation in the network.
51. credentialing committee.11 Committee, which may be a subset of the QM committee, that oversees the credentialing process.
52. credibility. A measure of the statistical predictability of a group's experience.
53. cure provision. A provider contract clause which specifies a time period (usually 60--90 days) for a party that breaches the contract to remedy the problem and avoid termination of the contract.
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D
1. deductible. A flat amount a group member must pay before the insurer will make any benefit payments.
2. demand management. The use of strategies designed to reduce the overall demand for and use of healthcare services, including any benefit offered by a plan that encourages preventive care, wellness, member self-care, and appropriate utilization of health services.
3. dental health maintenance organization (DHMO). An organization that provides dental services through a network of providers to its members in exchange for some form of prepayment.
4. dental point of service (dental POS) option.12 A dental service plan that allows a member to use either a DHMO network dentist or to seek care from a dentist not in the HMO network. Members choose in-network care or out-of-network care at the time they make their dental appointment and usually incur higher out-of-pocket costs for out-of-network care.
5. dental POS option. See dental point of service option.
6. dental PPO. See dental preferred provider organization.
7. dental preferred provider organization (dental PPO). An organization that provides dental care to its members through a network of dentists who offer discounted fees to the plan members.
8. DHMO. See dental health maintenance organization.
9. diagnostic and treatment codes.13 Special codes that consist of a brief, specific description of each diagnosis or treatment and a number used to identify each diagnosis and treatment.
10. direct response marketing. See direct marketing.
11. disease management (DM). A coordinated system of preventive, diagnostic, and therapeutic measures intended to provide cost-effective, quality healthcare for a patient population who have or are at risk for a specific chronic illness or medical condition. Also known as disease state management.
12. disease state management. See disease management.
13. DM. See disease management.
14. drive time. A measure of geographic accessibility determined by how long members in the plan's service area have to drive to reach a primary care provider.
15. drug cards. See pharmaceutical cards.
16. drug utilization review (DUR).14 A review program that evaluates whether drugs are being used safely, effectively, and appropriately.
17. due process clause. A provider contract provision which gives providers that are terminated with cause the right to appeal the termination.
18. DUR. See drug utilization review.
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E
1. early and periodic screening, diagnostic, and treatment (EPSDT) services. Services, including screening, vision, hearing, and dental services, provided under Medicaid to children under age 21 at intervals which meet recognized standards of medical and dental practices and at other intervals as necessary in order to determine the existence of physical or mental illnesses or conditions. Plans offering Medicaid coverage to EPSDT participants must provide any service that is necessary to treat an illness or condition that is identified by screening.
2. EDI. See electronic data interchange.
3. edits. Criteria that, if unmet, will cause an automated claims processing sys- tem to "kick out" a claim for further investigation.
4. electronic data interchange (EDI).15 The application-to-application interchange of business data between organizations using a standard data format.
5. electronic medical record (EMR).16 An automated, on-line medical record containing clinical and demographic information about a patient that is available to providers, ancillary service departments, pharmacies, and others involved in patient treatment or care.
6. employee benefits consultant. A specialist in employee benefits and insurance who is hired by a group buyer to provide advice on a health plan purchase.
7. Employee Retirement Income Security Act (ERISA). A broad-reaching law that establishes the rights of pension plan participants, standards for the investment of pension plan assets, and requirements for the disclosure of plan provisions and funding.
8. employer purchasing coalitions. See purchasing alliances.
9. employment-model IDS. An IDS that generally owns or is affiliated with a hospital and establishes or purchases physician practices and retains the physicians as employees.
10. EMR. See electronic medical record.
11. enterprise scheduling systems. Information systems that control the use of facilities and resources for such organizations as physician groups, hospitals, and staff model HMOs.
12. EPO. See exclusive provider organization.
13. EPSDT services. See early and periodic screening, diagnostic, and treatment services.
14. ERISA. See Employee Retirement Income Security Act.
15. Ethics in Patient Referrals Act. A federal act and its amendments, commonly called the Stark laws, which prohibit a physician from referring patients to laboratories, radiology services, diagnostic services, physical therapy services, home health services, pharmacies, occupational therapy services, and suppliers of durable medical equipment in which the physician has a financial interest.
16. exchange. The act of one party giving something of value to another party and receiving something of value in return.
17. exclusive provider organization (EPO). A healthcare benefit arrangement that is similar to a preferred provider organization in administration, structure, and operation, but which does not cover out-of-network care.
18. exclusive remedy doctrine. A rule which states that employees who are injured on the job are entitled to workers' compensation benefits, but they cannot sue their employers for additional amounts.
19. executive committee. Committee whose purpose is to provide rapid access to decision making and confidential discussions for an MCO board of directors.
20. executive director.17 In a managed care plan, individual responsible for all operational aspects of the plan. All other officers and key managers report to this person, who in turn reports to the board of directors.
21. experience. The actual cost of providing healthcare to a group during a given period of coverage.
22. experience rating. A rating method under which an MCO analyzes a group's recorded healthcare costs by type and calculates the group's premium partly or completely according to the group's experience.
23. expert system. Software that attempts to replicate the process an expert uses to solve a problem in order to arrive at the same decision that an expert would reach.
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F
1. Federal Employee Health Benefits Program (FEHBP). A voluntary health insurance program administered by the Office of Personnel Management (OPM) for federal employees, retirees, and their dependents and survivors.
2. Federal Trade Commission Act. A federal act which established the Federal Trade Commission (FTC) and gave the FTC power to work with the Department of Justice to enforce the Clayton Act. The primary function of the FTC is to regulate unfair competition and deceptive business practices, which are presented broadly in the Act. As a result, the FTC also pursues violators of the Sherman Antitrust Act. See also antitrust laws.
3. fee allowance. See fee schedule.
4. fee-for-service (FFS) payment system. A system in which the insurer will either reimburse the group member or pay the provider directly for each covered medical expense after the expense has been incurred.
5. fee maximum. See fee schedule.
6. fee schedule.18 The fee determined by an MCO to be acceptable for a procedure or service, which the physician agrees to accept as payment in full. Also known as a fee allowance, fee maximum, or capped fee.
7. FEHBP. See Federal Employee Health Benefits Plan.
8. FFS payment system. See fee-for-service payment system.
9. finance committee. Committee of the board of directors whose duty it is to review financial results, approve budgets, set and approve spending authorities, review the annual audit, and review and approve outside funding sources.
10. finance director.19 Chief financial officer responsible for the oversight of all financial and accounting operations, such as billing, management information services, enrollment, and underwriting as well as accounting, fiscal reporting, and budget preparation.
11. formulary.20 A listing of drugs, classified by therapeutic category or disease class, that are considered preferred therapy for a given managed population and that are to be used by an MCO's providers in prescribing medications.
12. fully funded plan. A health plan under which an insurer or MCO bears the financial responsibility of guaranteeing claim payments and paying for all incurred covered benefits and administration costs.
13. functional status. A patient's ability to perform the activities of daily living.
14. funding vehicle. In a self-funded plan, the account into which the money that an employer and employees would have paid in premiums to an insurer or MCO is deposited until the money is paid out.
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G
1. generic substitution.21 The dispensing of a drug that is the generic equivalent of a drug listed on a pharmacy benefit management plan's formulary. In most cases, generic substitution can be performed without physician approval.
2. geographic accessibility. Health plan accessibility, generally determined by drive time or number of primary care providers in a service area.
3. GPWW. See group practice without walls.
4. grievances. Formal complaints demanding formal resolution by a managed care plan.
5. group market. A market segment that includes groups of two or more people that enter into a group contract with an MCO under which the MCO provides healthcare coverage to the members of the group.
6. group model HMO. An HMO that contracts with a multi-specialty group of physicians who are employees of the group practice. Also known as a group practice model HMO.
7. group practice model HMO. See group model HMO.
8. group practice without walls (GPWW). A legal entity that combines multiple independent physician practices under one umbrella organization and performs certain business operations for the member practices or arranges for these operations to be performed. The GPWW may maintain its own facility for business operations or it may hire another company to provide this function.
9. guaranteed issue. An insurance policy provision under which all eligible persons who apply for insurance coverage and who meet certain conditions are automatically issued an insurance policy.
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H
1. HCQIA. See Health Care Quality Improvement Act.
2. HCQIP. See Health Care Quality Improvement Program.
3. healthcare quality.22 The degree to which health services for individuals and populations increase the likelihood of desired health outcomes and are consistent with current professional knowledge.
4. Health Care Quality Improvement Act (HCQIA). A federal act which exempts hospitals, group practices, and HMOs from certain antitrust provisions as they apply to credentialing and peer review so long as these entities adhere to due process standards that are outlined in the Act.
5. Health Care Quality Improvement Program (HCQIP). A program, established by the Balanced Budget Act of 1997, that seeks to improve the quality of care provided to Medicare beneficiaries by requiring Medicare+Choice coordinated care plans to undergo periodic quality review by a peer review organization.
6. Health Information Network (HIN). An electronic system that uses telecommunications devices to link various healthcare entities within a geographic region in order to exchange patient, clinical, and financial information in an effort to reduce costs and practice better medicine.
7. Health Insurance Portability and Accountability Act (HIPAA). A federal act that protects people who change jobs, are self-employed, or who have pre-existing medical conditions. HIPAA standardizes an approach to the continuation of healthcare benefits for individuals and members of small group health plans and establishes parity between the benefits extended to these individuals and those benefits offered to employees in large group plans. The act also contains provisions designed to ensure that prospective or current enrollees in a group health plan are not discriminated against based on health status.
8. health insurance purchasing co-ops (HPCs). See purchasing alliances.
9. health maintenance organization (HMO). A healthcare system that assumes or shares both the financial risks and the delivery risks associated with providing comprehensive medical services to a voluntarily enrolled population in a particular geographic area, usually in return for a fixed, prepaid fee.
10. HIN. See Health Information Network.
11. HIPAA. See Health Insurance Portability and Accountability Act.
12. HMO. See health maintenance organization.
13. HMO Act. 1973 federal law that ensured access for HMOs to the employer-based insurance market.
14. hold harmless provision. A contract clause which forbids providers from seeking compensation from patients if the health plan fails to compensate the providers because of insolvency or for any other reason.
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I
1. IBNR claims. See incurred but not reported claims.
2. IDS. See integrated delivery system.
3. incorporation by reference. The method of making a document a part of a contract by referring to it in the body of the contract.
4. indemnity wraparound policy. An out-of-plan product that an HMO offers through an agreement with an insurance company.
5. independent agents. Agents that represent the products of several health plans or insurers.
6. independent practice association (IPA). An organization comprised of individual physicians or physicians in small group practices that contracts with MCOs on behalf of its member physicians to provide healthcare services.
7. individual market. A market segment composed of customers not eligible for Medicare or Medicaid who are covered under an individual contract for health coverage.
8. individual stop-loss coverage. A type of stop-loss insurance that provides benefits for claims on an individual that exceed a stated amount in a given period. Also known as specific stop-loss coverage.
9. integrated delivery system (IDS). A provider organization that is fully integrated operationally and clinically to provide a full range of healthcare services, including physician services, hospital services, and ancillary services.
10. integration. For provider organizations, the unification of two or more previously separate providers under common ownership or control, or the combination of the business operations of two or more providers that were previously carried out separately and independently.
11. IPA. See independent practice association.
12. IPA model HMO. A health maintenance organization which contracts with one or more associations of physicians in independent practice who agree to provide medical services to HMO members.
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J
1. joint venture. A type of partial structural integration in which one or more separate organizations combine resources to achieve a stated objective. The participating companies share ownership of the venture and responsibility for its operations, but usually maintain separate ownership and control over their operations outside of the joint venture.
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K

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L
1. large group. A large pool of individuals for which health coverage is provided by the group sponsor. A large group may be defined as more than 250, 500, 1,000, or some other number of members, depending on the MCO.
2. lifetime maximum benefit amount. The maximum dollar amount set by an MCO that limits the total amount the plan must pay for all healthcare services provided to a subscriber in the sub-scriber's lifetime.
3. loss rate. The number and timing of losses that will occur in a given group of insureds while the coverage is in force.
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M
1. mail-order pharmacy programs.23 Programs that offer drugs ordered and delivered through the mail to plan members at a reduced cost.
2. managed behavioral health organization (MBHO). An organization that provides behavioral health services using managed care techniques.
3. managed care. The integration of both the financing and delivery of healthcare within a system that seeks to manage the accessibility, cost, and quality of that care.
4. managed care organization (MCO). Any entity that utilizes certain concepts or techniques to manage the accessibility, cost, and quality of healthcare. Also known as a managed care plan.
5. managed care plan. See managed care organization (MCO).
6. managed dental care.24 Any dental plan offered by an organization that provides a benefit plan that differs from a traditional fee-for-service plan.
7. managed indemnity plans. Health insurance plans that are administered like traditional indemnity plans but which include managed care "overlays" such as precertification and other utilization review techniques.
8. Management Services Organization (MSO). An organization, owned by a hospital or a group of investors, that provides management and administrative support services to individual physicians or small group practices in order to relieve physicians of non-medical business functions so that they can concentrate on the clinical aspects of their practice.
9. manual rating. A rating method under which a health plan uses the plan's average experience with all groups—and sometimes the experience of other health plans—rather than a particular group's experience to calculate the group's premium. An MCO often lists manual rates in an underwriting or rating manual.
10. market segmentation. The process of dividing the total market for a product or service into smaller, more manageable subsets or groups of customers.
11. market segments. Subsets or manageable groups of customers in a total market.
12. marketing director. Individual responsible for marketing a managed care plan, whose duties include oversight of marketing representatives, advertising, client relations, and enrollment forecasting.
13. MBHO. See managed behavioral health organization.
14. McCarran-Ferguson Act. A federal act that placed the primary responsibility for regulating health insurance companies and HMOs that service private sector (commercial) plan members at the state level.
15. MCO. See managed care organization.
16. Medicaid. A jointly funded federal and state program that provides hospital expense and medical expense coverage to the low-income population and certain aged and disabled individuals.
17. medical advisory committee.25 Committee whose purpose is to review general medical management issues brought to it by the medical director.
18. medical center. See ambulatory care facility (ACF).
19. medical clinic. See ambulatory care facility (ACF).
20. medical director.26 Manager in a healthcare organization responsible for provider relations, provider recruiting, quality and utilization management, and medical policy.
21. medical foundation. A not-for-profit entity, usually created by a hospital or health system, that purchases and manages physician practices.
22. medical group practice. See consolidated medical group.
23. medical-necessity review. See prior authorization.
24. medical savings account (MSA). A trust that employees of small businesses may establish to pay for out-of-pocket medical expenses.
25. medical underwriting. The evaluation of health questionnaires submitted by all proposed plan members to determine the insurability of the group.
26. medically needy individuals. Enrollees in Medicaid programs whose income or assets exceed the maximum threshold for certain federal programs.
27. Medicare. A federal government hospital expense and medical expense insurance plan primarily for elderly and disabled persons. See also Medicare Part A, Medicare Part B, and Medicare Part C.
28. Medicare Part A. The part of Medicare that provides basic hospital insurance coverage automatically for most eligible persons. See also Medicare.
29. Medicare Part B. A voluntary program that is part of Medicare and provides benefits to cover the costs of physicians' services. See also Medicare.
30. Medicare Part C. The part of Medicare that expands the list of different types of entities allowed to offer health plans to Medicare beneficiaries. Also known as Medicare+Choice. See also Medicare.
31. Medicare+Choice. See Medicare Part C.
32. Medicare+Choice MSAs. Accounts created by contributions from HCFA to pay out-of-pocket medical expenses for Medicare beneficiaries. The accounts are used in conjunction with high-deductible, catastrophic healthcare policies.
33. Medicare supplement. A private medical expense insurance plan that supplements Medicare coverage. Also known as a Medigap policy.
34. Medigap policy. See Medicare supplement.
35. member services. The department responsible for helping members with any problems, handling member grievances and complaints, tracking and reporting patterns of problems encountered, and enhancing the relationship between members of the plan and the plan itself.
36. Mental Health Parity Act (MHPA). A federal act which prohibits group health plans that offer mental health benefits from applying more restrictive limits on coverage for mental illness than for physical illness.
37. merger. A type of structural integration that occurs when two or more separate providers are legally joined.
38. messenger model. A type of independent practice association (IPA) that simply negotiates contract terms with MCOs on behalf of member physicians, who then contract directly with MCOs using the terms negotiated by the IPA. This type of IPA is most often used with fee-for-service or discounted fee-for-service compensation arrangements.
39. MHPA. See Mental Health Parity Act.
40. modified community rating. See adjusted community rating.
41. monthly operating report (MOR).27 A document that reports the month- and year-to-date financial status of a managed care plan.
42. MOR. See monthly operating report.
43. MSA. See medical savings account.
44. MSO. See Management Services Organization.
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N
1. national accounts.28 Large group accounts that have employees in more than one geographic area that are covered through a single national contract for health coverage. Contrast with large local groups.
2. National Practitioner Data Bank (NPDB). A database maintained by the federal government that contains information on physicians and other medical practitioners against whom medical malpractice claims have been settled or other disciplinary actions have been taken.
3. network. The group of physicians, hospitals, and other medical care providers that a specific managed care plan has contracted with to deliver medical services to its members.
4. network model HMO. An HMO that contracts with more than one group practice of physicians or specialty groups.
5. Newborns' and Mothers' Health Protection Act (NMHPA). A federal law which mandates that coverage for hospital stays for childbirth cannot generally be less than 48 hours for normal deliveries or 96 hours for cesarean births.
6. NMHPA. See Newborns' and Mothers' Health Protection Act.
7. no balance billing provision. A provider contract clause which states that the provider agrees to accept the amount the plan pays for medical services as payment in full and not to bill plan members for additional amounts (except for copayments, coinsurance, and deductibles).
8. non-group market. A market segment that consists of customers who are covered under an individual contract for health coverage or enrolled in a government program.
9. non-maleficence.29 An ethical principle which, when applied to managed care, states that managed care organizations and their providers are obligated not to harm their members.
10. NPDB. See National Practitioner Data Bank.
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O
1. OBRA. See Omnibus Budget Reconciliation Act of 1990.
2. Omnibus Budget Reconciliation Act (OBRA) of 1990. A federal act which established the Medicare SELECT program, a Medicare supplement that uses a preferred provider organization to supplement Medicare Part B coverage.
3. open access. A provision that specifies that plan members may self-refer to a specialist, either in-network or out-of-network, at full benefit or at a reduced benefit, without first obtaining a referral from a primary care provider.
4. open formulary.30 The provision that drugs on the preferred list and those not on the preferred list will both be covered by a PBM or MCO.
5. open-panel HMO. An HMO in which any physician who meets the HMO's standards of care may contract with the HMO as a provider. These physicians typically operate out of their own offices and see other patients as well as HMO members.
6. open PHO. A type of physician-hospital organization that is available to all of a hospital's eligible medical staff.
7. operational integration. The consolidation into a single operation of operations that were previously carried out separately by different providers.
8. operations director.31 Individual who typically oversees claims, management information services, enrollment, underwriting, member services, and office management.
9. outcomes measures. Healthcare quality indicators that gauge the extent to which healthcare services succeed in improving patient health.
10. out-of-pocket maximums. Dollar amounts set by MCOs that limit the amount a member has to pay out of his or her own pocket for particular healthcare services during a particular time period.
11. outpatient care. Treatment that is provided to a patient who is able to return home after care without an overnight stay in a hospital or other inpatient facility.
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P
1. parent company. A company that owns another company.
2. Patient Bill of Rights. Refers to the Consumer Bill of Rights and Responsibilities, a report prepared by the President's Advisory Commission on Consumer Protection and Quality in the Health Care Industry in an effort to ensure the security of patient information, promote healthcare quality, and improve the availability of healthcare treatment and services. The report lists a number "rights," subdivided into eight general areas, that all healthcare consumers should be guaranteed and describes responsibilities that consumers need to accept for the sake of their own health.
3. patient perception. A type of outcomes measure related to how the patient feels after treatment.
4. PBM plan. See pharmacy benefit management plan.
5. PCCM. See primary care case manager.
6. PCP. See primary care provider.
7. peer review. The analysis of a clinician's care by a group of that clinician's professional colleagues. The provider's care is generally compared to applicable standards of care, and the group's analysis is used as a learning tool for the members of the group.
8. peer review organizations (PROs). According to the Balanced Budget Act of 1997, organizations or groups of practicing physicians and other healthcare professionals paid by the federal government to review and evaluate the services provided by other practitioners and to monitor the quality of care given to Medicare patients.
9. pended. A claims term that refers to a situation in which it is not known whether an authorization has or will be issued for delivery of a healthcare service, and the case has been set aside for review.
10. performance measures. Quantitative measures of the quality of care provided by a health plan or provider that consumers, payors, regulators, and others can use to compare the plan or provider to other plans and providers.
11. personal care physician. See primary care provider.
12. personal care provider. See primary care provider.
13. pharmaceutical cards.32 Identification cards issued by a pharmacy benefit management plan to plan members. These cards assist PBMs in processing and tracking pharmaceutical claims. Also known as drug cards or prescription cards.
14. pharmacy and therapeutics committee.33 Committee charged with developing a formulary, reviewing changes to that formulary, and reviewing abnormal prescription utilization patterns by providers.
15. pharmacy benefit management (PBM) plan.34 A type of managed care specialty service organization that seeks to contain the costs, while promoting safer and more efficient use, of prescription drugs or pharmaceuticals. Also known as a prescription benefit management plan.
16. PHO. See physician-hospital organization.
17. physician-hospital organization (PHO). A joint venture between a hospital and many or all of its admitting physicians whose primary purpose is contract negotiations with MCOs and marketing.
18. Physician Practice Management (PPM) company. A company, owned by a group of investors, that purchases physicians' practice assets, provides practice management services, and, in most cases, gives physicians a long-term contract to continue working in their practice and sometimes an equity (ownership) position in the company.
19. physician profiling.35 In the context of a pharmacy benefit plan, the process of compiling data on physician prescribing patterns and comparing physicians' actual prescribing patterns to expected patterns within select drug categories. Also known as profiling.
20. plan funding. The method that an employer or other payor or purchaser uses to pay medical benefit costs and administrative expenses.
21. point-of-service (POS) product. A healthcare option that allows members to choose at the time medical services are needed whether they will go to a provider within the plan's network or seek medical care outside the network.
22. pooling. The practice of underwriting a number of small groups as if they constituted one large group.
23. POS product. See point-of-service product.
24. PPA. See preferred provider arrangement.
25. PPM company. See Physician Practice Management Company.
26. PPO. See preferred provider organization.
27. practice guideline. See clinical practice guideline.
28. precertification. See prospective authorization.
29. pre-existing condition. In group health insurance, generally a condition for which an individual received medical care during the three months immediately prior to the effective date of coverage.
30. preferred provider arrangement (PPA). As defined in state laws, a contract between a healthcare insurer and a healthcare provider or group of providers who agree to provide services to persons covered under the contract. Examples include preferred provider organizations (PPOs) and exclusive provider organizations (EPOs).
31. preferred provider organization (PPO). A healthcare benefit arrangement designed to supply services at a discounted cost by providing incentives for members to use designated healthcare providers (who contract with the PPO at a discount), but which also provides coverage for services rendered by healthcare providers who are not part of the PPO network.
32. premium. A prepaid payment or series of payments made to a health plan by purchasers, and often plan members, for medical benefits.
33. premium taxes. State income taxes levied on an insurer's premium income.
34. prepaid care. Healthcare services provided to an HMO member in exchange for a fixed, monthly premium paid in advance of the delivery of medical care.
35. prepaid group practices. Term originally used to describe healthcare systems that later became known as health maintenance organizations.
36. prescription benefit management plan. See pharmacy benefit management plan.
37. prescription cards. See pharmaceutical cards.
38. primary care.36 General medical care that is provided directly to a patient without referral from another physician. It is focused on preventative care and the treatment of routine injuries and illnesses.
39. primary care case manager (PCCM). In states that have obtained a Section 1915(b) waiver, a primary care provider who contracts directly with the state to provide case management services, such as coordination and delivery of services, to Medicaid patients in an effort to reduce emergency room use, increase preventive care, and improve overall effectiveness by fostering a close physician-patient relationship.
40. primary care physician. See primary care provider.
41. primary care provider (PCP). A physician or other medical professional who serves as a group member's first contact with a plan's healthcare system. Also known as a primary care physician, personal care physician, or personal care provider.
42. primary source verification.37 A process through which an organization validates credentialing information from the organization that originally conferred or issued the credentialing element to the practitioner.
43. prior authorization.38 In the context of a pharmacy benefit management (PBM) plan, a program that requires physicians to obtain certification of medical necessity prior to drug dispensing. Also known as a medical-necessity review.
44. process measures. Healthcare quality indicators related to the methods and procedures that a managed care organization and its providers use to furnish care.
45. profiling. See physician profiling.
46. promise keeping/truthtelling.39 An ethical principle which, when applied to managed care, states that managed care organizations and their providers have a duty to present information honestly and are obligated to honor commitments.
47. PROs. See peer review organizations.
48. prospective authorization. Authorization to deliver healthcare service that is issued before any service is rendered. Also known as precertification.
49. Provider Manual. A document that contains information concerning a provider's rights and responsibilities as part of a network.
50. Provider-Sponsored Organization (PSO). A healthcare organization—established and organized, or operated, by a healthcare provider or a group of affiliated healthcare providers to arrange for the delivery, financing, and administration of healthcare—that meets requirements established by the Balanced Budget Act of 1997 and that has the authority to contract directly with Medicare.
51. PSO. See Provider-Sponsored Organization.
52. purchasing alliances.40 Locally based, privately operated organizations that offer affordable group health coverage to businesses with fewer than 100 employees. Also known as purchasing pools, health insurance purchasing co-ops (HPCs), employer purchasing coalitions, or purchasing coalitions.
53. purchasing coalitions. See purchasing alliances.
54. purchasing pools. See purchasing alliances.
55. pure community rating. See standard community rating.
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Q
1. QM. See quality management.
2. QM committee. MCO committee responsible for oversight of the quality management program—including the setting of standards, review of data, feedback to providers, follow-up, and approval of sanctions—and for the quality of care delivered to members.
3. quality. In a managed care context, an MCO's success in providing healthcare and other services in such a way that plan members' needs and expectations are met.
4. quality management (QM). An organization-wide process of measur-ing and improving the quality of the healthcare provided by an MCO.
5. quality program. An organization-wide initiative to measure and improve the service and care provided by an MCO.
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R
1. rate spread. The difference between the highest and lowest rates that a health plan charges small groups. The NAIC Small Group Model Act limits a plan's allowable rate spread to 2 to 1.
2. rating. The process of calculating the appropriate premium to charge purchasers, given the degree of risk represented by the individual or group, the expected costs to deliver medical services, and the expected marketability and competitiveness of the MCO's plan.
3. RBRVS. See Resource-Based Relative Value Scale.
4. rebate.41 A reduction in the price of a particular pharmaceutical obtained by a PBM from the pharmaceutical manufacturer.
5. recredentialing. Reexamination by an MCO of the qualifications of a provider and verification that the provider still meets the standards for participation in the network.
6. relative value of services. See relative value scale.
7. relative value scale (RVS). A method used by MCOs of determining provider reimbursement that assigns a weighted value to each medical procedure or service. To determine the amount the MCO will pay to the physician, the weighted value is multiplied by a money multiplier. Also known as a relative value of services.
8. renewal underwriting.42 The process by which an underwriter reviews each year all the selection factors that were considered when the contract was issued, then compares the group's actual utilization rates to those the MCO predicted to determine the group's renewal rate.
9. report card. A set of performance measures applied uniformly to different health plans or providers.
10. reserves. Estimates of money that an insurer needs to pay future business obligations.
11. Resource-Based Relative Value Scale (RBRVS). A method used by MCOs of determining provider reimbursement that attempts to take into account, when assigning a weighted value to medical procedures or services, all resources that physicians use in providing care to patients, including physical or procedural, educational, mental (cognitive), and financial resources.
12. retrospective authorization. Authorization to deliver healthcare service that is granted after service has been rendered.
13. revenues. The amounts earned from a company's sales of products and services to its customers.
14. risk-adjustment. The statistical adjustment of outcomes measures to account for risk factors that are independent of the quality of care provided and beyond the control of the plan or provider, such as the patient's gender and age, the seriousness of the patient's illness, and any other illnesses the patient might have. Also known as case-mix adjustment.
15. RVS. See relative value scale.
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S
1. Section 1115 waivers. Waivers that states could obtain from the federal government which allowed them to set up managed care demonstration projects.
2. Section 1915(b) waivers. Waivers that states could obtain from the federal government that allowed them to restrict a Medicaid beneficiary's choice of providers by using a primary care case manager or other arrangement.
3. segments. See market segments.
4. self-funded plan. A health plan under which an employer or other group sponsor, rather than an MCO or insurance company, is financially responsible for paying plan expenses, including claims made by group plan members. Also known as a self-insured plan.
5. self-insured plan. See self-funded plan.
6. senior market. A market segment that is comprised largely of persons over age 65 who are eligible for Medicare benefits.
7. service quality. An MCO's success in meeting the nonclinical customer service needs and expectations of plan members.
8. Sherman Antitrust Act. A federal act which established as national policy the concept of a competitive marketing system by prohibiting companies from attempting to (1) monopolize any part of trade or commerce or (2) engage in contracts, combinations, or conspiracies in restraint of trade. The Act applies to all companies engaged in interstate commerce and to all companies engaged in foreign commerce. See also antitrust laws.
9. small group. Although each MCO's size limit may vary, generally a group composed of 2 to 99 members for which health coverage is provided by the group sponsor.
10. specialty health maintenance organization (specialty HMO). An organization that uses an HMO model to provide healthcare services in a subset or single specialty of medical care.
11. specialty HMO. See specialty health maintenance organization.
12. specialty services. Services that are provided by independent, specialty organizations rather than by the MCO providing the basic health plan.
13. specific stop-loss coverage. See individual stop-loss coverage.
14. staff model HMO. A closed-panel HMO whose physicians are employees of the HMO.
15. standard community rating. A type of community rating in which an MCO considers only community-wide data and establishes the same financial performance goals for all risk classes. Also known as pure community rating.
16. standard of care. A diagnostic and treatment process that a clinician should follow for a certain type of patient, illness, or clinical circumstance.
17. Stark laws. See Ethics in Patient Referrals Act.
18. statutory solvency. An insurer's ability to maintain at least the minimum amount of capital and surplus specified by state insurance regulators.
19. stop-loss insurance. A type of insurance coverage that enables provider organizations or self-funded groups to place a dollar limit on their liability for paying claims and requires the insurer issuing the insurance to reimburse the insured organization for claims paid in excess of a specified yearly maximum.
20. structural integration. The unification of previously separate providers under common ownership or control.
21. structure measures. Healthcare quality indicators related to the nature and quality of the resources that a managed care organization has available for patient care.
22. subauthorization. The authorization of one healthcare service concurrently with the authorization of another service. For example, an authorization for hospitalization may cover surgery, anesthesia, pathology, and radiology performed during the hospitalization.
23. subsidiary. A company that is owned by another company, its parent.
24. surplus. The amount that remains when an insurer subtracts its liabilities and capital from its assets.
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T
1. termination provision. A provider contract clause that describes how and under what circumstances the parties may end the contract.
2. termination with cause. A contract provision, included in all standard provider contracts, that allows either the MCO or the provider to terminate the contract when the other party does not live up to its contractual obligations.
3. termination without cause. A contract provision that allows either the MCO or the provider to terminate the contract without providing a reason or offering an appeals process.
4. therapeutic substitution.43 The dispensing of a different chemical entity within the same drug class of a drug listed on a pharmacy benefit management plan's formulary. Therapeutic substitution always requires physician approval.
5. third party administrator (TPA). A company that provides administrative services to MCOs or self-funded health plans.
6. TPA. See third party administrator.
7. treatment codes. See diagnostic and treatment codes.
8. TRICARE. A healthcare plan, avail-able to more than 6 million military personnel and their families, which is administered by private contractors who are selected for participation through a competitive procurement process. TRICARE offers members three plan options: TRICARE Prime (a capitated HMO with nominal premiums and copayments), TRICARE Extra (a PPO with standard CHAMPUS deductibles), and TRICARE Standard (the current fee-for-service CHAMPUS plan with provider choice and no premiums). See also Civilian Health and Medical Program of the Uniformed Services.
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U
1. UCR fee. See usual, customary, and reasonable fee.
2. UM. See utilization management.
3. underwriting. The process of identifying and classifying the risk represented by an individual or group.
4. underwriting impairments. Factors that tend to increase an individual's risk above that which is normal for his or her age.
5. underwriting manual. A document that provides background information about various underwriting impairments and suggests the appropriate action to take if such impairments exist.
6. underwriting requirements. Requirements, sometimes relating to group characteristics or financing measures, that MCOs at times impose in order to provide healthcare coverage to a given group and which are designed to balance a health plan's knowledge of a proposed group with the ability of the group to voluntarily select against the plan (antiselection).
7. UR. See utilization review.
8. URO. See utilization review organization.
9. usual, customary, and reasonable (UCR) fee. The amount commonly charged for a particular medical service by physicians within a particular geographic region. UCR fees are used by traditional health insurance companies as the basis for physician reimbursement.
10. utilization management (UM). Managing the use of medical services to ensure that a patient receives necessary, appropriate, high-quality care in a cost-effective manner.
11. utilization review (UR). The evaluation of the medical necessity, efficiency, and/or appropriateness of healthcare services and treatment plans.
12. utilization review committee. Committee that reviews utilization issues brought to it by the medical director, often approving or reviewing policy regarding coverage, reviewing utilization patterns of providers, and approving or reviewing the sanctioning process against providers.
13. utilization review organization (URO). External reviewers who assess the medical appropriateness of suggested courses of treatment for patients, thereby providing the patient and the purchaser increased assurance of the appropriateness, value, and quality of healthcare services.
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V
1. variances. The differences obtained from subtracting actual results from expected or budgeted results.
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W
1. withhold. A percentage of a provider's payment that is "held back" during the plan year to offset or pay for any cost overruns for referral or hospital services. Any part of the withhold not used for these purposes is distributed to providers.
2. workers' compensation. A state-mandated insurance program that provides benefits for healthcare costs and lost wages to qualified employees and their dependents if an employee suffers a work-related injury or disease.
3. workers' compensation indemnity benefits. Benefits that replace an employee's wages while the employee is unable to work because of a work-related injury or illness.
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X

Y

Z

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• 1 Guide to Accreditation (Washington, D.C.: American Association of Health Plans, June 1996), 83.
• 2 Managed Care at a Glance: Common Terms (Boston, MA: Tufts Managed Institute, 1996), 6.
• 3 The National Coalition on Healthcare, "Why the Quality of U.S. Health Care Must Be Improved," (October 1997)
• 4 Peter R. Kongstvedt, Essentials of Managed Care, Second Edition (Gaithersburg, VA: Aspen Publishers, Inc., 1997), 74.
• 5 Joan D. Biblo, Myra J. Christopher, Linda Johnson, and Robert Lyman Potter, Ethical Issues in Managed Care: Guidelines for Clinicians and Recommendations to Accrediting Organizations (Kansas City, MO: Midwest Bioethics Center, 1995), 3-4, 8, 11-12.
• 6 Joan D. Biblo, Myra J. Christopher, Linda Johnson, and Robert Lyman Potter, Ethical Issues in Managed Care: Guidelines for Clinicians and Recommendations to Accrediting Organizations (Kansas City, MO: Midwest Bioethics Center, 1995), 3-4, 8, 11-12.
• 7 Capitation: Questions and Answers, (Washington, D.C.: American Association of Health Plans, 1996.
• 8 Kenneth Huggins and Robert D. Land, Operations of Life and Health Insurance Companies, 2nd ed. (Atlanta, GA: LOMA, 1992), 259-60.
• 9 Kenneth Huggins and Robert D. Land, Operations of Life and Health Insurance Companies, 2nd ed. (Atlanta, GA: LOMA, 1992), 259-60.
• 10 Drug Benefit Trends [1995, 7(2):6-10] 1997, SCP Communications, Inc.
• 11 Peter R. Kongstvedt, Essentials of Managed Health Care, Second Edition (Gaithersburg, VA: Aspen Publishers, Inc., 1997), 75.
• 12 Peter R. Kongstvedt, Essentials of Managed Health Care, Second Edition (Gaithersburg, VA: Aspen Publishers, Inc., 1996), 803.
• 13 Jane Lightcap Brown, Insurance Administration (Atlanta, GA LOMA, 1997), 395.
• 14 Drug Benefit Trends [1995, 7(2):6-10] 1997, SCP Communications, Inc.
• 15 U.S. Congress, Office of Technological Assessment, "Bringing Health Care Online: The Role of Information Technologies," OTA-ITC-624 (Washington, D.C.: U.S. Government Printing Office, September 1995).
• 16 Richard Rogenehaugh, The Managed Healthcare Dictionary (Gaithersburg, VA: Aspen Publishers, Inc., 1997), 73.
• 17 Peter R. Kongstvedt, Essentials of Managed Health Care, 2nd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1997), 73.
• 18 Peter R. Kongstvedt, The Managed Care Handbook, 3rd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1996), 132.
• 19 Peter R. Kongstvedt, Essentials of Managed Health Care, 2nd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1997), 74.
• 20 Drug Benefit Trends [1995, 7(2): 6-10 1997, SCP Communications, Inc.]
• 21 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.]
• 22 Institute of Medicine, 1990.
• 23 Mail-order pharmacy programs open formulary
• 24 Peter R. Kongstvedt, The Managed Care Handbook, 3rd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1996), 802.
• 25 Peter R. Kongstvedt, Essentials of Managed Health Care, 2nd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1997), 75.
• 26 Peter R. Kongstvedt, Essentials of Managed Health Care, 2nd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1997), 73.
• 27 Peter R. Kongstvedt, Essentials of Managed Health Care, 2nd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1997), 76.
• 28 Blue Cross Blue Shield Association, Marketing and Selling the Product (Blue Cross and Blue Shield Association, 1993), 34-35.
• 29 Joan D. Biblo, Myra J. Christopher, Linda Johnson, and Robert Lyman Potter, Ethical Issues in Managed Care: Guidelines for Clinicians and Recommendations to Accrediting Organizations (Kansas City, MO: Midwest Bioethics Center, 1995), 3-4, 8, 11-12.
• 30 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.
• 31 Peter R. Kongstvedt, Essentials of Managed Health Care, 2nd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1997), 74.
• 32 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.
• 33 Peter R. Kongstvedt, Essentials of Managed Health Care, 2nd ed. (Gaithersburg, VA: Aspen Publishers, Inc. 1997), 75.
• 34 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.
• 35 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.
• 36 Managed Care at a Glance: Common Terms (Boston, MA: Tufts Managed Institute, 1996), 5.
• 37 1997 Standards for Credentialing and Recredentialing (Washington, D.C.: National Committee for Quality Assurance, 1997), 70.
• 38 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.
• 39 Joan D. Biblo, Myra J. Christopher, Linda Johnson, and Robert Lyman Potter, Ethical Issues in Managed Care: Guidelines for Clinicians and Recommendations to Accrediting Organizations (Kansas City, MO: Midwest Bioethics Center, 1995), 3-4, 8, 11-12.
• 40 Stephen Blakely, "An Update on Healthcare Pools," Nation's Business 85 (May 1997):51-2.
• 41 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.
• 42 Kenneth Huggins and Robert D. Land, Operations of Life and Health Insurance Companies, 2nd ed. (Atlanta, GA: LOMA, 1992), 259-60.
• 43 Drug Benefit Trends [1995, 7(2): 6-10] 1997, SCP Communications, Inc.
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