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         TABLE OF CONTENTS

Annual or Wellness Exam Benefits
Appeals and Grievance Rights
Authorizations and Pre-Certifications
Billing Services
Coordination of Benefits (COB)
Deductibles (DED)
Durable Medical Equipment (DME)

Employee Assistance Program (EAP)
Evidence of Coverage (EOC)
Employee Retirement Security Act (ERISA)
Explanations of Benefits (EOB)
Explanations of Payments (EOP)
Federal Acts
HIPAA (Health Insurance Portability and Accountability Act)
HIPAA (Federal Privacy Act)
HIPAA (Federal Portability Act)
Health Maintenance Organization (HMO)
Indemnity Medical Plans
Letter of Creditable Coverage (LCC)
Medical Billing Advocacy
Medical Claim Types
Medical Insurance Plan Year
Medical Insurance Riders
Member Payment Responsibilities
National Medical Provider Networks
Outline of Coverage (OOC)
Patient Bill of Rights
Policy Benefit Maximums
Policy Exclusions
Preferred Provider Organizations (PPO)
Referrals and Primary Care Physicians (PCP)
UPDATES to new Healthcare Bill 03/23/2010

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