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Glossary

  1. H

    Health Insurance Portability and Accountability Act (HIPAA)
    A federal law that outlines the requirements that employer-sponsored group insurance plans, insurance companies, and managed care organizations must satisfy in order to provide health insurance coverage in the individual and group healthcare markets.
    health maintenance organization (HMO)
    A healthcare system that assumes or shares both the financial risks and the delivery risks associated with providing comprehensive medical services to a voluntarily enrolled population in a particular geographic area, usually in return for a fixed, prepaid fee.
    health promotion programs
    Preventive care programs designed to educate and motivate members to prevent illness and injury and to promote good health through lifestyle choices, such as smoking cessation and dietary changes. Also known as wellness programs.
    Health Reimbursement Arrangements (HRA)
    Accounts that employers can establish for employees to reimburse a portion of their eligible family members' out-of-pocket medical expenses, such as deductibles, coinsurance and pharmacy expenses.
    Health Savings Account (HSA)
    Allows members to save money into tax-advantaged accounts. Qualified contributions made to HSAs are tax-deductible, and funds withdrawn to pay for qualified medical expenses are tax-free.
    HIPAA
    See Health Insurance Portability and Accountability Act.
    HMO
    See health maintenance organization.
    Hold Harmless
    An agreement with a provider not to bill the subscriber for any difference between billed charges for covered services (excluding coinsurance) and the amount the provider has contractually agreed with a BCBS Plan as full payment for those services.
    hospice care
    A set of specialized healthcare services that provide support to terminally ill patients and their families.