I feel I am qualified for the job becos of my educational background.

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.

It is arrangements under which employees may choose their own benefit structure. Sometimes these are varying benefit plans or add-ons provided through the same insurer or 3rd party administrator, other times this refers to the offering of different plans or HMOs provided by different managed care or insurance companies.

Doctors in recent years have admitted to and have been accused of prescribing additional tests or procedures to justify their care, strengthen support for their decisions or simply to corroborate their diagnosis. This defensiveness is a result of lawsuits, malpractice claims and the onslaught of external UR entities questioning care decisions. Defensive medicine is said to be one of the primary causes of the increasing cost of health care. Many physicians and the AMA fight for tort reform to reduce the need for defensive medicine. However, patient groups and patient advocates, not in favor of tort reform, explain that the right to sue for malpractice is a valid method of holding physicians accountable for mistakes made.

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.

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.