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An 18-year-old man is in an accident that results in a profound hearing loss.As would be expected,he does not lose his ability to speak.This example provides support for:
Preexisting Condition
Any medical condition or health problem that was present before an individual's health insurance policy's effective date, often affecting coverage or benefits.
Workers' Compensation
A form of insurance providing wage replacement and medical benefits to employees injured in the course of employment.
Wage Replacement
A form of benefit that compensates for income lost due to temporary disability, unemployment, or other reasons preventing a person from working.
Health Maintenance Organization (HMO)
A type of managed care operation that is typically set up as a for-profit corporation with salaried employees; group insurance that entitles members to services provided by participating hospitals, clinics, and providers.
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