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I . . .

Incurred But Not Reported (IBNR)
Refers to claims which reflect services already delivered, but, for whatever reason, have not yet been reimbursed. These are bills "in the pipeline." This is a crucial concept for proactive providers who are beginning to explore arrangements that put them in the role of adjudicating claims--as the result, perhaps, of operating in a sub-capitated system (see below). Failure to account for these potential claims could lead to some very bad decisions. Good administrative operations have fairly sophisticated mathematical models to estimate this amount at any given time.

Indemnify
To make good a loss.

Indemnity Carrier
Usually an insurance company or insurance group that provides marketing, management, claims payment and review, and agrees to assume risk for its subscribers at some pre-determined rate.

Indemnity Plan or Indemnity Health Insurance
A plan which reimburses physicians for services performed, or beneficiaries for medical expenses incurred. Such plans are contrasted with group health plans, which provide service benefits through group medical practice.

Independent Practice Association (IPA)
A health maintenance organization delivery model in which the HMO contracts with a physician organization, which, in turn, contracts with individual physicians. The IPA physicians practice in their own offices and continue to see fee-for-service patients. The HMO reimburses the IPA on a capitated basis; however, the IPA usually reimburses the physicians on a fee-for-service basis. This type of system combines prepayment with the traditional means of delivering health care.

Individual Plans
A type of insurance plan for individuals and their dependents who are not eligible for coverage through an employer group (group coverage).

Individual Practice Association (IPA)
An HMO model in which the HMO contracts with a physician organization that in turn contracts with individual physicians. The IPA physicians provide care to HMO members from their private offices and continue to see their fee-for-service patients.

Inpatient Care
Care given a registered bed patient in a hospital, nursing home or other medical or post acute institution.

Inpatient Services
Inpatient hospital services are items and services furnished to an inpatient of a hospital by the hospital; including bed and board, nursing and related services, diagnostic and therapeutic services, and medical or surgical services.

Internal Medicine
Generally, that branch of medicine that is concerned with diseases that do not require surgery, specifically, the study and treatment of internal organs and body systems; it encompasses many subspecialties; internists, the doctors who practice internal medicine, often serve as family physicians to supervise general medical care.

International Classification of Diseases, Ninth Revision, Clinical Modification (ICD-9-CM)
A coding scheme used to document the incidence of disease, injury, mortality and illness.


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