Health Insurance Glossary

Habilitative Services
Services and devices, including physical therapy, occupational therapy and speech therapy that help a child keep, learn or improve skills and functioning for daily living.
Health Benefit Plan
The health insurance product offered by a health insurance company. It is defined by the benefit contract and represents a set of covered services and a provider network.
Health Insurance Portability and Accountability Act (HIPAA) of 1996
The Health Insurance Portability and Accountability Act (HIPAA) of 1996 was designed to streamline all areas of the health care industry and to provide additional rights and protections to participants in health plans.
Health Maintenance Organization (HMO)
A health benefits program that usually has the lowest out-of-pocket costs. HMOs require that the member select a primary care physician, generally a family practitioner, internist or pediatrician, who is part of the plan's network. There are generally small copayments and no claims to file. In an HMO, a referral is required from the primary care physician to see any specialist in its network except an OB/GYN.
Hearing Services
Services related to the hearing structures of the ear.
See Health Maintenance Organization (HMO)
Home Health Care
Skilled nursing and related health services provided by home health agencies to patients in a home setting. Services may also include physical therapy, occupational therapy, speech therapy, medical social services, home nursing services and provision of medical supplies and equipment.
Home Infusion Therapy
The administration of intravenous drug treatment in the home.
Program or facility that provides medical care and support services for terminally ill patients and their families. The hospice provides services either directly or on a consulting basis with the patient's physician or a community agency.
An institution whose primary function is to provide inpatient, diagnostic and therapeutic services. The services are for a variety of medical conditions, both surgical and non-surgical. In addition, most hospitals provide some outpatient services, particularly emergency care.