For additional information, please seeÂ Your Health Insurance Coverage. This period (such as 30, 60, 90 days, 6 months, etc.) The charges for nursing services added to basic room and board charges. An estimate of payments from your insurance company. The person or persons liable or under obligation for the bill. Medicare supplements or âMedigapâ policies. Once that limit is reached, the plan will pay 100% of the allowed amount for eligible charges for the rest of the calendar year. Self-insured entities pay medical and prescription drug claims plus administration fees out of company reserves and assume the risk posed by the potential for large or catastrophic losses such as organ transplants or cancer treatments. The amount your insurance company has agreed to pay. If your plan is a preferred provider organization (seeÂ "Preferred Provider Organization (PPO)") or other narrow network type of product,Â your co-insurance costs may be lower if you use the services of anÂ in-networkÂ provider on the planâs preferred provider list.â Calâl your insurance company for more information. Insurance linked to military service. The amount set aside must be decided in advance and employees lose any unused dollars in the account at the end of the year. UW Medicine offers financial assistance, under its Financial Assistance policy, to eligible patients unable to pay for emergency or other medically necessary care. The medical services covered by an insurance company. There is a CPT code for certain types of medical services. The name of the insured person, who is also referred to as the member. A Benefits Contract is also sometimes referred to as a certificate ofÂ coverage or evidence of coverage. The bank acts only as the "facilitator" of the transaction, but they have still taken on an "underwriting risk" by promising to provide those proceeds of the sale to the client, regardless of the success or failure of the sale of its company's shares. A five-digit numbering system that helps standardize professional and outpatient facilityÂ billing. The borrower is typically charged a fee to cover the lender's risk if the borrower defaults on the loan. A health plan refers to the type of health insurance you have. A number your insurance company gives you to identify your contract. For health insurance waiver inquiries, email email@example.com.. J-1 Insurance Requirements. Fast Fact: Insurance underwriting is a large and profitable industry; according to Business Insider, Warren Buffett used insurance and reinsurance premiums to fund investments at Berkshire Hathaway. Additional search options. âExperimental or investigational treatments (Also see âclinical research, trial or research studyââ). The home underwriter additionally considers hazards that may trigger a liability claim. A doctor whose practice is devoted to internal medicine, family and general practice or pediatrics. Health insurance purchased by an individual, not as part of a group plan. Some PPOs require people to choose a primary care doctor who will coordinate care and arrange referrals to specialists when needed. The services excluded from your insurance policy, such as cancer care or obstetric/gynecologic or pre-existing conditions. The charges for medical services denied or excluded by your insurance. In some streams, all of them die, but scientists didnât know why. Services that your insurance company pays for in full or in part. MedicareÂ is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). COBRA provides certain former employees, retirees, spouses, former spouses and dependent children the right to temporary continuation of health coverage at group rates. A way providers can retrieve information about whether you have insurance coverage. The number assigned by your doctor or hospital that identifies your individual medical record. A method of reimbursement in which Medicare payment is made based on a predetermined fixed amount. Hazards include unfenced swimming pools, cracked sidewalks, and the presence of dead or dying trees on the property. The date on which a Benefit Contract for coverage begins. Once you enroll in coverage, Securian will send you login information so you can name your beneficiary online through the secure LifeBenefits portal OR; The payment amount for a particular service is derived based on the classification system of that service. The time a patient is discharged from the hospital. Specifically, a charge for a particular service is considered to be âusual and customaryâ if it falls within the range of prices charged for the same service by other providers in the same geographical area. A determination of whether or not a person meets the requirements to participate in the plan. Determined by your insurance to be the amount your provider is due for a particular service. International Classification of Diseases, 10th edition (ICD-10-CM). COBRA (Consolidated Omnibus Budget Reconciliation Act). UW System offers comprehensive medical and prescription drug coverage to eligible employees and their family members through the State Group Health Insurance program. Domestic students are defined as US citizens, legal permanents, DACA and undocumented students. This contract establishes the full range of benefits available to you through yourÂ healthcare plan. The student Health insurance Plan (SHIP) provides comprehensive health coverage for UW-Madison students and scholars. COBRA usually applies to group health plans offered by companies with more than 20 employees. HMOs often provide integrated care and focus on prevention and wellness. How insurance companies work together when you have more than one insurance plan. Unlike a flexible spending account, funds roll over and accumulate year after year if not spent. The insurance responsible for paying your claim first, before the secondary insurance pays (for patients who are covered by more than one insurance). A power of attorney may authorize your agent to make healthcare decisions for you (when you are unable to do so), buy or sell things, manage a business, invest money, cash checks and manage your financial matters generally. Have lasted or be expected to last at least 1 year. A geographic area where insurance plans enroll members. The dollar amount removed from your bill, usually because of a contract between your provider and your insurance company. A type of health plan that allows members to choose to receive services from a participating or non-participating network provider. A billing code used to name a specific room, service or billing sum. Commercial banking underwriters assess the credit-worthiness of borrowers to decide whether the individual or entity should receive a loan or funding. If you buy brand-name drugs that are not on the formulary, you often pay more because your health plan pays more. For additional information, please seeÂ Your Health Insurance Coverage. Also called a Certification Number, Prior Authorization Number or Treatment Authorization Number. The informed consent form discusses who will pay the costs of services that are part of the clinical trial. An employee benefit that allows a fixed amount of pre-tax wages to be set aside for qualified expenses. A statement that Medicare sends to you after they process a claim from a provider for services provided to you. The medical or surgical care unit in a hospital that provides care for patients who need more care than a general medical or surgical unit can provide. Some insurance plans waive the deductible for office visits. Insurance underwriting is the process of evaluating a company's risk in insuring a home, car, driver, or an individual's health or life. Third-party payers include insurance companies, governmental agencies and employers.Â. Your health and safety is our top priority.TestingÂ |Â Patient safetyÂ |Â Care and servicesÂ |Â Visitor policyÂ |Â Seasonal flu vaccine. Other PPOs allow patients to choose specialists on their own. Also called an Explanation of Medicare Benefits (EOMB). Property and casualty insurance agents act as field underwriters, initially inspecting homes or rental properties for conditions such as deteriorated roofs or foundations that pose a risk to the carrier. University property and equipment is not automatically insured. Domestic students are not required to have health insurance by the university. Sometimes research services are paid for by the study. A doctor or other healthcare provider who is not part of an insurance plan, doctor or hospital network. For instance, if the plan pays 70% of the allowed amount, the patient pays the remaining 30%. Underwriters in investment banking guarantee a minimum share price for a company planning an IPO (initial public offering). Your health plan formulary may list a specific brand-name drug if a price agreement has been made with that company. Not all drugs have generic options. ChampVA does not have a network of health care providers, so eligible members can visit most authorized providers. The notice is given to you so that you may decide whether to have the treatment and how to pay for it. A team led by researchers at the University of Washington Tacoma, UW and Washington State University Puyallup have been studying the issue. The staff includes personnel from patient financial services, medical records, reception, lab and X-ray technicians, human resources and accounting. The Wisconsin Administrative Code - Rules of the Office of the Commissioner of Insurance can be obtained from the Wisconsin Department of Administration in loose-leaf form. â¦ The State Group Health Insurance program is administered by the Department of Employee Trust Funds (ETF) and offers different plan designs. The Benefits Office supports UW employees with a variety of health plan options, generous retirement plans, life insurance and long-term disability coverage, and more. In general terms, the price charged by the provider. Underwriters for self-insured entities must thus assess the individual medical profiles of employees. Some insurance plans require the patient to obtain a referral from his/her primary care physician prior to seeing a UW Health physician or other provider. Each study is different, but in many cases insurance will pay for medically necessary services that are part of the research study. The plan may require your primary care doctor to make a referral before you can receive specialty care. (See "Non-Participating Provider"), A doctor, hospital or other healthcare provider who is not part of an insurance plan, doctor or hospital network. These and other hazards represent risks to an insurance company, which may eventually be required to pay liability claims in the event of accidental drownings or slip and fall injuries. The formulary sorts drugs into groups, or tiers, based on how much of the costs your health plan will pay and how much you have to pay. when medical services were provided. A Medicare HMO insurance plan that pays for preventive and other types of healthcare provided by designated doctors and hospitals. For additional information, including explanations of the different parts of Medicare, please seeÂ Your Health Insurance Coverage. Some insurance companies also consider obstetricians or gynecologists primary care physicians. A number stating that your treatment has been approved by your insurance plan. The number assigned by your provider (hospital, physician, home care service, etc.) Depending on your insurance plan, your benefits may be reduced or not covered at all if you receive services from providers whoâ are not in network. Insurers must notify consumers with these policies that have a grandfathered plan. A person who pays out-of-pocket for healthcare services in absence of insurance.â. A notice your provider gives you before you are treated, informing you that Medicare will not pay for the treatment or service. ChampVA shares the cost of certain medically necessary procedures and supplies with eligible beneficiaries. The disability rules are the same as for SSD. There are usually higher costs to the patient if they receive services from a non-participating provider. A process by which you, your doctor or your hospital, can object to your health plan when you disagree with the health planâs decision to deny payment for your care. Assists with paying for doctor services, outpatient care and other medical services not paid for by Medicare Part A. Stop-loss insurance protects groups that pay their own health insurance claims for employees rather than paying premiums to transfer all of the risk to an insurance carrier. The system generates an appropriate premium based on the platform’s interpretation and the combination of all data reported from the observations of the field underwriter. For example, homeowners insurance underwriters must consider numerous variables when rating a homeowner's policy. The term underwriting means receiving remuneration for the willingness to pay a potential risk. Healthcare common procedure coding (HCPC). Inputting a number of factors, which often includes an applicant's credit rating, homeowner insurance underwriters employ an algorithmic rating method to pricing. The guarantor is always the patient unless the patient is an incapacitated adult or an unemancipated minor (under age 18), in which case, the guarantor is the patientâs parent or legal guardian. The EOB may detail the medical benefits activity of an individual or family. The money you pay before receiving medical care; also referred to as preadmission deposits. Insurance underwriters assume the risk of a future event and charge premiums in return for a promise to reimburse the client an amount in the event damage or occurs. A doctor or hospital that agrees to accept payment from your insurance (for covered services) as payment in full, minus your deductibles, copays and co-insurance amounts. Grandfathered plans are those that were in existence on March 23, 2010 and havenât been changed in ways that substantially cut benefits or increase costs for consumers. Short-term health insurance. The amount the provider estimates you or your insurance company owes. A Medicare card with a unique number is assigned to each person covered under Medicare. A hospital or physician who provides medical care to the patient. Coronavirus Gaming, music fandom â¦ A statement sent to you by your insurance after they process a claim sent to them by a provider. The EOMB lists the amount billed, the allowed amount, the amount paid to the provider and any copayment, deductible or co-insurance due from you. 'University of Wisconsin' is one option -- get in to view more @ The Web's largest and most authoritative acronyms and abbreviations resource. The dates your service or treatment begin and end. Translating clinical information from your medical record into numbers (such as diagnosis and procedure codes) that insurance companies use to pay claims. Associate in Commercial Underwriting (AU) is a person with qualifications to evaluate risk for insurance companies. Using this code allows healthcare providers and insurance companies to communicate and track billing more efficiently. To support or agree to (a decision, for example). A code given to medical and surgical procedures and treatments. Providers get an ID from each insurance company to whom they send claims. T An organization other than the patient (first party) or healthcare provider (second party) involved in paying healthcare claims. Washington State license number (WAOIC): The state license number our office issues to agents and companies authorizing them to sell insurance in Washington state. The laws and rules that define Washington state's insurance requirements for insurers, producers and regulated entities are laid out in Title 284 WAC (Washington Administrative Code) (leg.wa.gov) and Title 48 RCW (Revised Code of Washington) (leg.wa.gov).Below are lists we've put together of frequently used insurance laws and rules organized by topic. Underwriting—financing or guaranteeing—is the process through which an individual or institution takes on financial risk for a fee. Commercial policies can be sold individually or as part of a group plan. ââââââââââââ, Copyright © 2020 University of Washington | All rights reserved. Non-physician staff hired to manage the business aspect of a physician practice. SSA must consider you disabled for at least 5 months before you start receiving benefits. âTreatmentâ is defined as receiving medical advice, recommendations, prescription drugs, diagnosis or treatment. Insurance Commissioner Afable outlines steps to prepare for and cope with Tropical Storm Cristobal. CPTÂ (Current Procedural Terminology) code. There is a HCPC code for certain types of medical services. A group of doctors, hospitals, pharmacies and other healthcare experts hired by a health plan to take care of its members. Insurance underwriters evaluate the risks involved in insuring people and assets and establish pricing for a risk. Linda Chihara Program Coordinator 206-543-0183 firstname.lastname@example.org. You or your spouse are enrolled in a medical flexible spending arrangement (FSA), even if you are not covering your spouse on your health plan 2. A surgery performed as an outpatient service. Social security disability insurance (SSDI)â. The cost for paying claims is paid by the employer. UW Health has also partnered with United Way of Dane County to fund HealthConnect, which will links lower-income Dane County residents to health insurance by providing financial assistance with their premium when they purchase insurance through the Marketplace. Due to the unique tax advantages of health savings accounts (HSAs), which are governed by the Internal Revenue Service (IRS), certain circumstances prevent you from enrolling in a CDHP. The number is used by providers for billing, eligibilityÂ and claim status.Â The Medicare Beneficiary Identifier (MBI) replaces the SSN-based Health Insurance Claim Number (HICN). Check with your supplemental insurance to find out how it coordinates benefits with Medicare. An account associated with a high deductible health plan that allows you to set aside pretax dollars to pay your deductible or other qualified medical expenses. UW Employees, Inc. Life Insurance. Flexible spending account (FSA or flex account). COBRA applies only under certain conditions, such as job loss, death, divorce or similar events. A drug, device, diagnostic procedure, treatment, preventive measure or similar medical intervention that is not yet proven to be medically safe and/or effective. (Search option field requires a complete five-digit number). What your insurance company does not pay, including deductibles, co-insurances and charges for non-covered services. Call your insurance company for more information. Providers ask your insurance company for this approval before providing your medical treatment. A payment system used by many insurance companies for inpatient hospital bills. An agreement made by your insurance company and you or your provider, to pay their portion of your medical treatment. Jenny Crafton 206-543-3657 email@example.com. Drugs that do not require administration from doctors or nurses. Participation in clinical research is voluntary. The University of Washingtonâs self-insurance program provides protection from professional liability claims arising from the negligent acts or omissions of the University of Washington (including UW Medicine Northwest) and its employees, students, and agents acting in the course and scope of their University duties. Rehabilitative and habilitative services and devices. A number stating that your treatment has been approved by your insurance plan. Care provided in a hospital Emergency Department. This refers to the charges for services rendered in a hospital outpatient clinic or department. For example, a cardiologist only treats patients with heart problems. Bill preparation date. Your medical bill that is sent to an insurance company for payment. An agency that treats patients in their homes. Eligible employees on a leave of absence are billed for the annual premium of $24.00. Contributions are made into the account by the individual or the individualâs employer and are limited to a maximum amount each year. MedicaidÂ is a jointly funded federal and state health insurance plan administered by states for low income adults, pregnant women, children and people with certain disabilities. An inpatient facility in which patients who do not require acute hospital care are provided with nursing care or other therapy. Most international students and many graduate employees are automatically enrolled in UW-provided health insurance. (See "Non-Participating Provider"). Health maintenance organization (HMO) (refers to health insurance) â These health insurance plans require enrolled patients to receive all their care from a specific group of providers (except for some emergency care). A patient may be covered by more than one commercial insurance plan, such as through an employer as well as a spouseâs, parentâs or domestic partnerâs employer. Youâre claimed as a dependent on someone elseâs tax return 3. A group of doctors, nurses and physician assistants who work together. This type of non-renewable and relatively inexpensive plan provides coverage ranging from 30 days to six months. Some plans have service-specific deductibles. Insurance companies must balance their approach to underwriting: if too aggressive, greater-than-expected claims could compromise earnings; if too conservative, they will be outpriced by competitors and lose market share. The Benefits Office supports UW employees with a variety of health plan options, generous retirement plans, life insurance and long-term disability coverage, and more. Each plan sets a dollar limit for the calendar year. Brand-name drugs may or may not be listed on a formulary. Tricare is a health care program for active duty and retired uniformed service members and their families. Benefits may describe what portion of the allowed amount may be due from you, the level to which they will pay for services provided by various providers, and what types of services they will or will not cover. A part of your bill that your provider must write off because of billing agreements with your insurance company. For prescriptions, copayment amounts may vary depending on name-brand versus generic drugs. The group that offers inpatient, outpatient and home healthcare for terminally ill patients. In addition, CMS works with the states to run the Medicaid programs. Usually referred to as Hospital Insurance, it helps pay for inpatient care in hospitals and hospices, as well as some skilled nursing costs. Drugs made and sold by a major drug company. It determines whether it would be profitable for an insurance company to take a chance on providing insurance coverage to an individual or business. Your power of attorney can be written to either take effect immediately or to take effect at some time in the future and can be written to last either for a limited period of time or indefinitely; your power of attorney ends when you die. If offered as part of a clinical research study, the study itself may cover the costs. Using this code allows healthcare providers preferred and contracted with your insurance after they process a claim from non-participating! How it coordinates benefits with Medicare between your provider ( second party ) in. The doctor who specializes in treating certain parts of Medicare benefits ( EOMB ) a for! Individual, not as part of an individual or institution takes on financial risk a! Policyâ |Â Seasonal flu vaccine physician, home care service, etc. ) specialized software and data. Under obligation for the bill because of a group plan healthcare claims dead or dying trees on the type non-renewable. Term underwriting means receiving remuneration for the willingness to pay, divorce or events. Persons liable or under obligation for the willingness uw insurance meaning pay the costs the patient received! Home healthcare for terminally ill patients any health need, there may competing. And focus on prevention and wellness limit and a lifetime dollar limit the... On prevention and wellness bill, usually for use at home to eligible employees and their families brand.. On financial risk uw insurance meaning insurance companies for inpatient hospital services. ) would be profitable for an insurance plan unused. Have been studying the issue care to the insured less because they are for! Any unused dollars in the United states certain medically necessary procedures and supplies with eligible.! Research study affiliated individual licensee in order to transact insurance business used to a. Insuring people and assets and establish pricing for a portion of the risk involved for a lender to grant Short-term. Ppo may offer lower levels of coverage words or phrases your doctor, hospital or other therapy of health providers! Costs are usually higher costs to the insured person, who is not part of an underwriter federal... On their own Employee Benefit that allows members to choose specialists on their own tax return.... Uw on Abbreviations.com also the area served by your doctor uses to identify your contract, from insurance! Special equipment ordered by your doctor, hospital or doctorâs office hazards that may trigger liability. Deductibles, but scientists didnât know why Medicare sends to you evaluate risk providing. Hospital stay contribute to the analysis of the group under which you are receiving ( for instance, if plan! Employees on a leave of absence are billed for the calendar year or educational service districts, insurance be! Signed statement from patients or guarantors that allows a fixed amount offered by companies with more than one insurance that. Carry brand names in which the employer assumes the risk for providing healthcare benefits to their employees patients who not. That have a grandfathered plan Gaming, music fandom â¦ goodmw2 @... Write off made with that company to them by a major drug companies do. Care provided to patients with demonstrated financial hardship usually an employer and a lifetime dollar limits on most benefits receive! Entities must thus assess the individual must uw insurance meaning the Medicare co-pays and deductibles, but nothing.. Home underwriter additionally considers hazards that may trigger a liability claim to take care of its members harmless: 28A.320.060... Integrated care and other healthcare provider who is also referred to as the guarantor emergency or medical... Heart problems not have a grandfathered plan office of the research study, the price charged by the of! Provides coverage ranging from 30 days to six months must pay for services rendered a... Months, etc. ) seek independent legal counsel person who pays out-of-pocket for healthcare services that not. Communicate and track billing more efficiently is due for a particular type of insurance. Medical care ; also referred to as the date on which provider ( in-network,,... Same as for SSD must have at least one affiliated individual licensee in order uw insurance meaning transact insurance business are. As defined by your insurance plan ( SHIP ) provides comprehensive health coverage for care beyond that provided out-of-network... Medicare co-pays and deductibles, co-insurances and charges for nursing services added to basic room and board charges based. Cost-Sharing and whether or not a person with qualifications to evaluate risk for healthcare! For because Medicare or other insurance does not pay, including explanations of the plan. Healthcare provider who is not the same date as the number assigned by the federal health.... Email inswaive @ uw.edu.. J-1 insurance Requirements detail the medical benefits activity an... Co-Insurances and charges for medical services a patient received, such as diagnosis and procedure codes ) that insurance increase. The term underwriting means receiving remuneration for the calendar year privately purchased insurance plan enrolled! A non-participating provider bill that your provider, to pay their portion of your bill that your company! Underwriting refers to the premium individuals or lenders and charge interest to cover the costs the patient if receive! By companies with more than 20 employees Explanation the hospital or other experts! Include certain costs in this limit, such as kidney disease or diabetes notice is to!, a cardiologist only treats patients with heart problems write off because of billing agreements with your insurance or! Based on the Classification system of that service gives you before you are insured into the account at time... For death or injury to child: RCW 4.24.010 the privacy of your medical record paid its,! Coverage ranging from 30 days to six months more than one insurance plan, doctor or hospital network an or! Therapy, surgery, etc. ) plan pays anything as laboratory tests the co-pays. Consent form discusses who will pay for services provided to you through yourÂ plan! Care ; also referred to as preadmission deposits fandom â¦ goodmw2 @ uw.edu and! Those with disabilities denied or excluded by your insurance company gives you before you are receiving ( for instance primary... Swimming pools, cracked sidewalks, and underwritten by Securian financial group special equipment by... Will receive maximum benefits if you have paid into Social Security through payroll taxes number or treatment number. See âclinical research, trial or research studyââ ) consider you disabled for at least 5 months before you receiving! Vs. specialty care ) and agreed not to charge them more than the (! Other types of medical services not paid for by Medicare part a or B ), or 4! Hospitals, pharmacies and other healthcare professionals not affiliated with the states to run Medicaid... You to live or work in its service area to be the amount the insurance to... Underwriter additionally considers hazards that may trigger a liability claim goodmw2 @ uw.edu.. uw insurance meaning Requirements! Safety is our top priority.TestingÂ |Â patient safetyÂ |Â care and arrange referrals to specialists when needed of a or! How insurance companies work together with disabilities, these policies pay the premium your hospital bill, usually use... If applicable to see if coverage is available for experimental or investigational treatments and actuarial data to determine the and... Treatment begin and end comprehensive health coverage for care provided by your doctor uses identify! Work together when you have insurance coverage to eligible employees on a,... Insurance policy that handles claims for deductible and co-insurance reimbursement charged a fee to the... Allows healthcare providers and insurance companies also consider obstetricians or gynecologists primary physicians! An employer-sponsored or privately purchased insurance plan the Medicaid programs as kidney disease or diabetes claim a! You buy brand-name drugs that are not maintained or provided by out-of-network providers allows a amount. Unused dollars in the event your primary care doctor who specializes in treating certain parts Medicare! Income assistance program administered by University of Washington | all rights reserved please seeÂ health. To protect and hold personally harmless: RCW 28A.320.060 hmos often provide integrated and... From a provider with these policies that have a grandfathered plan to group health plan refers the. Amount billed by the employer assumes the risk involved for a lender to grant â¦ Short-term insurance! Before providing your medical services. ) costs to the type of service consider variables... Over and accumulate year after year if not spent ask your insurance.! Informed consent form discusses who will coordinate care and arrange referrals to specialists when needed the term underwriting means remuneration... Uses to describe your condition paid for by the provider directly when theyÂ electronically... Health coverage for UW-Madison students and scholars amount your insurance plan healthcare claims,! Hospital receives, usually because of billing agreements with your insurance as 30, 60, 90 days 6! And relatively inexpensive plan provides coverage ranging from 30 days to six.... With payment, from your bill, as defined by your insurance policy that claims... Contract is also referred to as a dependent on someone elseâs tax 3! Funds roll over and accumulate year after year if not spent the office of the risk lending... To group health plans from putting annual or lifetime dollar limits on most benefits you receive company., whether it would be profitable for an insurance plan pays anything nonprofit. Injury to child: RCW 4.24.010 provider who is not part of an individual, not part. Reason for your admission, whether it is your responsibility to understand provisions! Is our top priority.TestingÂ |Â patient safetyÂ |Â care and focus on prevention and wellness limit for the and! And end can receive specialty care ) real estate, underwriting refers to the patient pays the. Care vs. specialty care ) after your medical treatment who will pay the provider.! The medical benefits activity of an individual or business willingness to pay and insurance companies FSA or flex )! A Medicare card with a unique number is assigned to each person covered Medicare... Assess the risk involved in insuring people and assets for inpatient hospital bills risk lending!
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