Glossary



ICF

See intermediate care facility

ICF/MR

Intermediate Care Facility for the Mentally Retarded - An ICF that cares specifically for the mentally retarded.

ICFDH

International classification of functioning, disability and health - An internationally standardized list of identifying codes and definitions of human functioning and disabilities organized by body functions and structures, domains of activities and participation, and environmental factors. The coding and terminology provide a uniform language that permits consistent communication on claim forms.

Impairment

Any loss or abnormality of psychological, physiological or anatomical function.

Incompetence

This condition is determined by a legal proceeding. It requires that the individual is not able to handle assets and exercise certain legal rights.

Incontinent

The inability to partly or fully control bladder or bowel functions.

Incurred services

Services received from providers.

Indemnity benefit

A flat payment made directly to an insurance policyholder, rather than to a provider for services rendered.

Independent living facility

Rental units in which services are not included as part of the rent, although services may be available on site and may be purchased by residents for an additional fee. May or may not be part of a bigger complex, such as a CCRC.

Indigent care

Health services provided to those unable to pay. Since many indigent patients are not eligible for federal or state programs, the costs that are covered by Medicaid are generally recorded separately from indigent care costs.

Indirect costs

Costs that cannot be identified directly with a particular activity, service or product of the program experiencing the cost. Indirect costs are usually apportioned among the program's services in proportion to each service's share of direct costs.

Inflation protection

A feature or option of long-term care insurance coverage that increases the value of benefits over time to keep pace with increasing costs of care.

Informal caregiver

Usually a spouse or relative, an informal caregiver is an unpaid individual who takes on the responsibility of providing care for someone, typically in the person’s home.

Inpatient

A person who has been admitted at least overnight to a hospital or other healthcare facility (which is therefore responsible for his or her room and board) for the purpose of receiving diagnostic treatment or other healthcare services.

Institutional health services

Health services delivered on an inpatient basis in nursing homes, hospitals or other inpatient institutions. The term may also refer to services delivered on an outpatient basis by departments or other organizational units representing such institutions.

Instrumental activities of daily living (IADL)

An index that measures a client's ability and degree of independence in cognitive and social functioning, such as shopping, cooking, doing housework, managing money and using the telephone.

Insurance

A contracted system where payments (premiums) made over a period of time to an insurance company entitle the payer compensation upon the loss of pre-specified conditions, such as health status.

Insurance carrier

An insurance provider.

Insurance commissioner

The top insurance official in the state.

Insurance policy

A legal contract issued by the insurance company to secure coverage for claimant.

Insurance premium

The pre-specified amount an individual pays to guarantee coverage for a policy.

Insured

A person covered under an insurance policy, including anyone named as receiving protection under the policy.

Insurer

The insurance company that agrees to pay losses of benefits. Also, the insurer can be any company whose primary business is selling insurance to the public.

Insuring Clause

A statement that specifies the type of loss covered by the policy and the parties involved in the insurance contract.

Intermediate care

Occasional nursing and rehabilitative care ordered by a doctor. Performed or supervised by skilled medical personnel.

International Classification of Diseases

International Classification of Diseases, ninth edition (Clinical Modification) (ICD-9-CM) - A list of diagnoses and identifying codes used by physicians and other healthcare providers. The coding and terminology provide a uniform language that permits consistent communication on claim forms.

Inventory

A detailed description of quantities and locations of different kinds of resources, including but not limited to facilities, major equipment, personnel and supplies.

IV/Infusion therapies

The way that liquid solutions or liquid medications are administered directly into the bloodstream through an intravenous catheter inserted in a vein in the body. Infusion therapies can include total parenteral nutrition, antibiotics or other drugs, blood and chemotherapy.

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In Focus

Dec. 13

A giving season

Nationwide

Senior living communities throughout the country are proving that the end-of-year holidays are a time of giving.