Chapter 16 Review Administrative and Business Practices

An unexpected, unplanned event that may involve injury is

An accident

Specific conditions listed in an insurance policy will not pay as

Exclusions

What document is sent by private insurance carriers to detail amounts paid or denied on an insurance claim

Explanation of benefits

Periodic payments made to keep an insurance policy in force are

Premiums

An illness or injury that prevents an individual from performing all major duties of his or her occupation or from engaging in any other type of work is a

Total Disability

Terms in a group insurance policy that allow the insured to continue the same or lesser coverage under an individual policy is a

Conversion privilege

An insurance policy is a legally enforceable

Contract

An injury or illness that occurred before the issuance of a health insurance policy is a

Preexisting condition

Claims may be received, edited, and distributed electronically to insurance companies through a central

Clearing house

Which of the following is a method of payment in which the physician is paid a set amount for each patient enrolled regardless of services provided

Capitation

The process of finding out if a service or procedure is covered under a patient's insurance policy

Precertification

The process of finding out the maximum dollar amount that an insurance company will pay for a particular service or procedure

Predetermination

A voluntary prescription drug coverage plan falls under which part of the medicare program

Part D

Hospital insurance benefits are provided under which part of the medicare program

Part A

The hospital benefits program that covers dependents of men and women in the military is

TRICARE

Federal legislation that requires employers offer extended group health insurance benefits to employees and dependents affected by job loss or other life events is called

COBRA

The National Provider Identifier (NPI) number serves as a unique identifier for physicians who

Submit health insurance claims

Which type of policy is available from private insurance companies and regulated by the federal government to supplement medicare coverage

Medigap

A feature of electronic billing systems that reviews claim data and identifies inconsistencies or missing information before the claim is submitted is the

Claim scrubber

Accurate diagnostic and procedural codes must be included as part of

Health insurance claims

If a valid claim has not been paid after multiple inquiries and or a denial has been received, what may be filed with the insurance company

appeal

what is a procedure that is done by insurance companies to avoid duplicate payments due to benefits provided by more than one policy

coordination of benefits

When a patient provides written authorization for a physician or health care facility to receive payment from a third party (insurer) for services, this is known as

Assignment of benefits

What information must be copied from a patient's insurance card

The front and back of the card

When an insurance company determines that a particular service or procedure is appropriate based on standards of prudent care this is establishing

Medical necessity

Under which type of managed care plan will the cost of services be covered only if the patient receives care from a participating physician

HMO

a complaint of a physicians charges and payments made by an insurance company for specific services over a period of time is the physicians..?

profile

which type of claim contains complete info but its content is to illogical or incorrect

invalid claim

under which type of managed care plan can enrollees obtain services for nonparticipating physicians and pay a higher percentage of the costs

PPO

which type of claim is held in suspense by an insurance company for review or because additional info is needed before a payment determination can be made

pending

according to the patient protection and affordable care act which is designed to insure an additional 32 mill Americans, everyone must purchase health insurance or face a 695$$ annual fine by the year

2014

dependents of the insured are who

spouses, children and domestic partners

a HDHP is a

insurance health plan with a high deductible

health care reform assures that there will no longer be

limitations on coverage, limits for lifetime max benefits, preexisting clauses

with health care reform, parents will be able to keep adult children on their polices until

26

under which type of managed care plan can physicians see capitated managed care patients and private pay PT's and maintain their own offices

IPA

medicaid is a health assistance program sponsored

state, federal + local governments

the medicaid program is generally for who

low income, needy individuals

with health care reform, medicare patient's who now belong to medicare advantage plans that earn higher income will soon

no longer qualify for medicare

medicare physicians and practitioners can "opt-out" of the medicare program for how long

2 years

When submitting electronic claims it is referred to as

ECT

What is the statement called that is sent to a Medicare patient summarizing the disposition of a claim in laymen's terms

Medicare summary notice

Adjudication

Determination of payment for an insurance claim

Deductible

Amount the insured must pay in a calendar year before policy benefits begin

Eliminations Period

Period of time after the onset of a disability for which no benefits will be paid

Exclusions

Hazards, perils, or conditions listed in an insurance policy for which the company will not pay

Limitations

Exceptions or reductions to coverage as outlined in a policy

Dependents

The spouse and/or children of the primary insured

Copayment

Cost sharing in which an insured patient pays a designated amount at the time of service

Coinsurance

Cost-sharing in which an insured patient assumes a percentage of the cost of covered services

Claim

Request for payment under an insurance contract

A Medicare patient's signature on an Advance Beneficiary Notice must be obtained

For all services medicare does not deem medically necessary

A signed consent to release medical information for treatment, payment, and health care operations

Is no longer mandated by HIPAA

The "birthday rule" helps to determine the plan when

A child is covered by both parents

To supplement Medicare, the Department of Defense offers

TRICARE for life

State disability insurance is offered in what states

California, Hawaii, NJ, NY, Rhode Island, & Puerto Rico

Which type of claim had been discarded by an insurance company's system because of technical errors and may be returned to the provider

rejected claims

when examining a medicare card, which had been presented for services in a physicians office, be sure the patient has part _____ coverage

B

to contain costs and prosecute cases of medicare and medicaid fraud, what law did the government pass?

civil monetary penalties law

a patient having both medicare and medicaid is referred to as

medi/ medi case

what is the acronym used when another payer is primary to medicare

MSP

eligibility for a tricare patient is verified by using

the VRU system + the tricare website

for tricare patient, a nonavailability statement is needed when a PT lives within a hospitals zip code area and

non emergency care is not available

denied claim

claim payment rejected because of a technical error or payment policy issue

dirty claim

claim submitted with errors may require manual processing

incomplete claim

medicare claim that contains complete, valid info but is illogical or incorrect

pending claim

claim held in review

rejected claim

claim discarded by the system due to technical errors

suspended claim

claim held by ins. co. as pending because of error or additional info needed (similar to pending)

Major Medical

Insurance policy designed to cover medical expenses resulting from injury or catastrophic or prolonged illness

Clean Claim

Claim submitted within the program time limit containing all necessary data to process and pay

Waiver

Attachment to a policy that excludes certain illnesses or disabilities

Premium

Payment made periodically to keep an insurance policy inforced

Usual, customary, and reasonable

Physician charge profiles determine these rates

Third Party Payers

Private insurance companies or government funded health plans

Total Disability

Illness or injury that prevents an individual from performing the major duties of his/her specific occupation

Temporary Disability

Illness or injury that prevents an individual from performing the major duties of his/her occupation for a limited time period

Preexisting Condition

Anything that was treated before the policy was issued

Preauthorization

Obtaining advance approval from an insurance carrier for a service or procedure to be performed

Partial Disability

Illness or injury that prevents an individual from performing one or more of the functions of a regular job

Permanent Disability

Illness or injury that prevents an individual from performing all the functions of a regular job

Invalid Claim

Medicare claim that contains complete, valid information but is illogical or incorrect