Glossary of Insurance Terms

High Risk Individuals

People who have a pre-existing health condition that have a greater than average probability of future medical expense
HIPAA (The Health Insurance Portability and Accoun
This act became a law on January 1, 1997. The act states the requirements that a long term care policy must follow in order that the premiums paid may be deducted as medical expenses and benefits not paid be considered as taxable income

Home Care Providers

A person who provides home health care or hospice services and who meets the following criteria:
1. Under the Medicare Program, has an agreement to be a provider of home health care services
2. Is licensed by their state as a home health care agency or hospice if licensing is required in the state in which they are practicing
3. Is a licensed therapist, a registered nurse (R.N), a licensed practical nurse( L.P.N), or a licensed vocational nurse (L.V.N.) providing services under the guidelines of their license

Home Care Services

Household services done by someone else because you are unable to do them yourself. These include nursing services, personal hygiene, house chores, errands, and preparation of meals, laundry and small house maintenance.

Home Delivered Meals

"Meals on Wheels", provide meals to those who cannot cook for themselves

Home Health Aid

Licensed individual that performs daily care for those in need of assistance in their homes. Generally these people provide help with basic daily activities such as bathing, eating, and dressing

Homemaker Service

Generally in combination with a Home Health Aide, this person will cook, clean, run errands, etc.

Hospice Care Services

Out patient services provided by a licensed hospice provider to help ease the pain of terminally ill patients in their last stages of their terminal disease. They also provide support to the primary care giver and the family.

House Claims Department

Department that processes and reviews all claims