Glossary: D

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Date claim incurred (DCI) This is for disability plans. It is the date a person becomes disabled.
Date claim received This is the date the insurance company receives the claim.
Date last worked (DLW) This is the last day a person worked before he or she was disabled. For long-term disability, it is the last day the person worked part of a day. For short-term disability, it is the last day a person worked half a day or more.
Date of disability (also known as “Date of claim” or “Incurred date”) This is the date a person becomes disabled. The person must meet the plan definition of disabled.
Day treatment center This is a place where people can get mental health care. The person does not stay overnight. He or she visits the treatment provider as needed for care.
DCI See “Date claim incurred.”
Death benefit (also known as “Face amount”) This applies to life insurance. It is the money that an insurance company pays when an insured member dies.
Debridement (dental) This is when a dentist removes large amounts of plaque and tartar. This makes it easier to examine your teeth. It is usually done when teeth haven’t been cleaned in a long time and there is a lot of buildup.
Debridement (medical) This is when a nurse or doctor cleans out a wound.
Deductible The amount you pay for covered services before your health plan begins to pay.
Deductible (Medicare) This is what you must pay for health care before the Medicare plan begins to pay. This amount can change each year.
Defined contribution plans There are many different types of these plans. In them, employers give each worker a fixed amount of money. The worker can use the money for retirement, health or some other benefit. When the plan is for health benefits, the money can be used to pay for health insurance or health services.
Dependent This is a person who is covered by another person’s plan. It can be a child, spouse or domestic partner.
Dependent care reimbursement account You can put money into this account before taxes are taken. You can use the money later to pay for eligible childcare expenses. No taxes are taken out, so you lower your taxable income rate. The money does not build interest. It cannot be rolled over to the next year. Also, the money cannot be taken from one job to another.
Diagnostic tests These are tests that a health care professional orders. The tests help see if a person has a condition or a disease. X-rays and ultrasounds are examples of these tests.
Direct access (Also “Open access”) This is a type of health plan. The plan lets you go directly to a health care professional in the plan’s network without a referral.
Disability See “Long-term disability” and “Short-term disability.”
Disability and absence management These are services and products. They help businesses track and manage when workers are out. This includes general absences and leaves of absence.
Disability payment This is the money paid to a member because he or she is disabled.
Disease management This is a type of program that comes with some health plans. It is used to help people who live with a chronic illness. It helps members manage their health and prevent future problems.
DLW See “Date last worked.”
DME See “Durable medical equipment” or “Durable medical equipment (Medicare).”
DocFind® This is Aetna’s online directory. It lists doctors and health care professionals in the network. Members use it to find care near where they live. The list has doctors, hospitals, dentists, pharmacists and more.
Domestic partners This means two people who live together but are not married. They are responsible for each other’s well-being and finances. They may or may not be a same-sex couple.
Donut hole (Medicare) See “Coverage gap.”
Drug This is a natural or man-made substance used to treat an illness.
Drug formulary See “Formulary.”
Drug tiers These are groups of different drugs. Usually, the plans group the drugs by price. Each group or tier requires a different copay. You might see the groups listed as generic, brand-name, or preferred brand-name drugs. Generic drugs often have lower copays. Brand-name drugs have higher copays.
Dual eligibles (Medicare) These are people who can get benefits through two plans: Medicare and Medicaid.
Duplicate coverage This is when you and your dependents have the same coverage through two or more health plans.
Durable medical equipment (DME) This is equipment a person needs that is: 
  • made for and mainly used to treat a disease or injury
  • reusable and made for long-term use
  • appropriate for home use
  • not for use in altering air quality or temperature
  • not for general exercise or training

Examples are a wheelchair or hospital bed used in the home.

Durable medical equipment (DME) (Medicare) These are devices that doctors order for use in the home. They must be reusable. Some examples are walkers, wheelchairs or hospital beds. They are covered under Medicare Part A and Part B for home health services.

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