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These are individual medical expense insurance policies sold by state-licensed private insurance companies. Private health insurance plans that supplement Medicare benefits by covering some costs not paid for by Medicare.
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Sunday, April 27, 2008
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It is an insurance against the risk of suffering financial damage due to professional misconduct or lack of ordinary skill. Malpractice requires that the patient prove some injury and that the injury was the result of negligence on the part of the professional. A practitioner is liable for damages or injuries caused by malpractice.
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It is insurance coverage with no front-end deductible where coverage begins with the first dollar of expense incurred by the insured for any covered benefit.
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It is a method for establishing health insurance premiums whereby an insurer's premium is based on the age of individuals when they first purchased health insurance coverage. This is an older form of actuarial assessment.
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It is a Medicare beneficiary who also receives the full range of Medicaid benefits offered in his or her state. Medicare usually pays the charges for inpatient while Medicaid will pay the co-pay for inpatient care in hospitals. Medicare will be considered the primary insurer for inpatient care for the Care/Caid patient.
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It is health coverage that a new enrollee has had in the past that gives the enrollee certain rights when he or she applies for new coverage. Certain kinds of previous health insurance coverage, such as group plan coverage, that can be used to shorten a pre-existing condition waiting period under a new plan.
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