PEO GLOSSARY

Human resources definitions that any human can understand

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HCFA -  Health Care Financing Administration
Health Insurance Coverage -  Benefits consisting of medical care (provided directly, through insurance or reimbursement, or otherwise) under any hospital or medical service policy or certificate, hospital or medical service plan contract, or HMO contract offered by a health insurance issuer. Health insurance coverage includes group health insurance coverage, individual health insurance coverage, and short-term, limited-duration insurance.
Health Insurance Issuer -  An insurance company, insurance service, or insurance organization (including an HMO) that is required to be licensed to engage in the business of insurance in a State and that is subject to State law that regulates insurance.
HHS -  Department of Health and Human Services
Hidden Preexisting Condition Exclusion -  A Hidden Preexisting Condition Exclusion is a plan provision that limits or excludes benefits relating to a condition because the condition was present before an individual's enrollment date and is then considered "preexisting" and therefore excluded. Examples include: accidental injury coverage only if the injury occured while covered under the plan; the denial of benefits for pregnancy until 12 months after an individual becomes eligible for benefits under a plan; and a provision that counts benefits received under prior health coverage against a lifetime limit. These types of exclusions may not comply with HIPAA laws and therefore should be carefully reviewed.
HIPAA (Health Insurance Portability and Accountability Act) -  HIPAA is a federal law that limits pre-existing condition exclusions, permits special enrollment when certain life or work events occur, prohibits discrimination against employees and dependents based on their health status, and guarantees availability and renewability of health coverage to certain employees and individuals.
HMO (Health Maintenance Organization) -  Legal entity consisting of participating medical providers that provide or arrange for care to be furnished to a given population group for a fixed fee per person. HMOs are used as alternatives to traditional indemnity plans.
HR -  Human Resources
HSA -  Health Savings Account
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