Glossary: I

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ID cardThis is the card members get when they join a health plan. It helps doctors and other health care providers know what coverage a patient has. It shows the member’s assigned plan number and plan contact information. The card should be shown at every health care visit.
Indemnity planThis is a type of health plan. Members can get care from any licensed doctor or hospital. They get the same level of benefits no matter who they see. There are no network. The plan pays a percentage of each covered health care service. These plans often have deductibles, coinsurance and certain benefit maximums. This is also called a “Traditional plan. ”
Independent medical examThis is needed to help decide on a disability claim. A doctor examines the person in question. This doctor has not treated the person before.
Independent Practice Association (IPA)This is a group of doctors or other health care providers. They contract with one or more health plans to provide services. If a member sees a primary doctor in this group, he or she will be referred to specialist and hospitals in the same group. Members can go outside the group if their medical needs cannot be handled by this group.
Individual policyThis is a health plan bought by a person who cannot get benefits through a group plan. Self-employed people often have to buy this type of plan. So do people who cannot get health benefits from their employer or other group.
Individual Retirement Account (IRA) This is an account you can use to save for retirement. You can put in a certain amount of money each year. This amount can be deducted from the taxable income you report. Contributions and interest are not taxed until money is taken out.
Infusion therapyThis is a type of treatment that goes into a vein. It includes medicine or feedings. It can also deliver nutrients into the stomach by tube.
Initial coverage limitThis is the first part of a Medicare prescription drug plan. A member pays a set amount until the member and plan payments hit a certain total. Once this limit is reached, the terms change. Members may pay more as the plan moves to the “coverage gap” phase.
Initial enrollment period (IEP)

This period lasts seven months. It runs around the event that qualifies you for Medicare, for example, your 65th birthday. It lasts the three months before, the month of, and three months after the event.

Injectable drugThis is a drug that can be put into the body with a needle or syringe. The medicine is put under the skin, into a muscle, or into a vein. It may start as a powder that is mixed with water.
In networkThis means we have a contract with that doctor or other health care provider. We negotiate reduced rates with them to help you save money. Your out of pocket costs are lower when you stay in network.

There are other benefits to using doctors in network. They won’t bill you for the difference between their standard rates and the rate they’ve agreed to with us. All you have to pay is your coinsurance or copay, along with any deductible. And network doctors will handle any precertification your plan requires.
InpatientThis is a person who has to stay in the hospital for care for at least one night.
Inpatient careThis is care given to a person who has been admitted to the hospital. This person will stay one or more nights.
Insurance cardSee “ID card.
Integrated Health and Disability (IHD)This program is for members who have health and disability coverage. It combines services from both plans. It gives members special help so they can return to work faster.
InteliHealthThis is a health website run in part by Aetna. The full name is Aetna InteliHealth®.
Investigational servicesSee “Experimental services or procedures.”
IPASee “Independent Practice Association.”
IRASee “Individual Retirement Account.”

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