//glossary definitions
var bcodate = '<span class="htool">Basic Consumer Option Effective Date</span><br><span class="tool">The effective date of health care coverage under the Basic Consumer Option. If you are an active employee and enroll during Open Season, the Basic Consumer Option Plan Effective Date will be the first day of your first pay period that starts on or after January 1. Annuitants&rsquo; coverage begins on January 1. For non Open Season Enrollees, your payroll office will determine the Basic Consumer Option Effective Date based on the enrollment event.</span>';
                               
var bhb = '<span class="htool">Blue Healthcare Bank</span><br><span class="tool">The institution that is responsible for administering the HSA and HRA components of the Basic Consumer Option Plan.</span>'; 
                  
var cpm = '<span class="htool">Catastrophic Protection Maximum (for out-of-pocket expenses)</span><br><span class="tool">Your annual maximum for out-of-pocket expenses for covered services is limited to $2,900 for self only contracts and $5,800 for self and family contracts. However, certain expenses do not count toward your out-of-pocket maximum and you must continue to pay these expenses once you reach your out-of-pocket maximum (such as expenses in excess of the Plan&rsquo;s allowable amount or benefit maximums).</span>';
                  
var deductible = '<span class="htool">Deductible</span><br><span class="tool">The fixed amount of covered expenses you must incur for certain covered services and supplies in a calendar year before we start paying benefits for those services.</span>';
                  
var eservice = '<span class="htool">eService</span><br><span class="tool">An online request tool that allows you to make updates or changes to your enrollment, view claim activity, and submit your HSA Eligibility Questionnaire.</span>';
                  
var benefits = '<span class="htool">Explanation of Benefits (EOB)</span><br><span class="tool">A statement mailed to you from your local Plan once a medical claim has been finalized. It includes information about the services provided, eligible expenses, and the amount paid. If a service was denied, the EOB will provide information about why this occurred.</span>';
                         
var hcfsa = '<span class="htool">Health Care Flexible Spending Account (HCFSA)</span><br><span class="tool">A tax-favored benefit that allows you to set aside pre-tax dollars from your paychecks to pay for a variety of eligible expenses. It pays for eligible health care expenses for you and your dependents which are not covered or reimbursed by FEHBP coverage or other insurance.  For more information, visit <a href="javascript:redir("http://www.fsafeds.com");" class="external">http://www.fsafeds.com</a>.</span>';
            
var hra = '<span class="htool">Health Reimbursement Arrangement (HRA)</span><br><span class="tool">Tax-free health plan deposits provided by your employer that allows you to accumulate savings for tax-free withdrawals for qualified medical expenses including your health plan deductible and other qualified out-of-pocket expenses. HRA reimbursements for medical expenses are not included in an employee&rsquo;s income. Unused credits can be rolled over annually but are owned by the employer and thus are not portable when the employee leaves the employer&rsquo;s company, changes Service Benefit Plan Options, or health plan carriers.</span>';
                  
var hsa = '<span class="htool">Health Savings Account (HSA)</span><br><span class="tool">A tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses of the account beneficiary who, for the months of which contributions are made to an   HSA, is covered under a high deductible health plan. An HSA is employee-owned but can be funded by the employer and/or the employee (maximum annual limits are established by the Internal Revenue Code law). Unused funds are owned by the employee and thus are portable when the employee leaves the employer&rsquo;s company, changes Service Benefit Plan Options, or health plan carriers.</span>';
                  
var hdhp = '<span class="htool">High Deductible Health Plan (HDHP)</span><br><span class="tool">An HDHP is a plan, such as Basic Consumer Option, providing medical and prescription drug benefits. The deductibles, which meet the requirements established by the Internal Revenue Code, make this plan eligible to coordinate with either an HSA or an HRA.</span>';
                  
var hradate = '<span class="htool">HRA Effective Date</span><br><span class="tool">The effective date of your enrollment in the Basic Consumer Option. Your HRA is effective for use on a tax-free basis for health care services incurred on or after this date. If you are provided an HRA during the year because you are no longer eligible for an HSA, your HRA will be effective the later of the date you lose HSA eligibility or the date you notify us of your change in eligibility.</span>';
                  
var hsadate = '<span class="htool">HSA Eligibility Date</span><br><span class="tool">The earliest date that you are eligible to have an HSA on a tax-free basis. This date is the first of the month following the Basic Consumer Option Effective Date, <em>except</em> when the Basic Consumer Option Effective Date falls on the first of the month. When the Basic Consumer Option Effective Date is the first of the month, the HSA eligibility date shall be the same date as the Basic Consumer Option Effective Date.</span>';
                  
var hsaestablished = '<span class="htool">HSA Established Date (Open or Boarding Date)</span><br><span class="tool">The date that the bank account is established or opened. This is the date when you have completed the bank enrollment process and have a bank account number at Blue Healthcare Bank.</span>';
                  
var hsaeffective = '<span class="htool">HSA Effective Date</span><br><span class="tool">This date is the later of the HSA Eligibility and HSA Established dates. Your HSA is effective for use on a tax-free basis for health care services incurred on or after this date. This is also the date after which you may make or receive contributions, including premium pass through contributions to your HSA on a tax-free basis.</span>'; 
                  
var hsaeligibility = '<span class="htool">HSA Eligibility Questionnaire</span><br><span class="tool">The document you will receive in the mail with your ID card where you will determine eligibility to contribute to an HSA and indicate whether you would like to be enrolled in an HRA if you become or are ineligible to contribute to an HSA.</span>';
                  
var lexhcfsa = '<span class="htool">Limited Expense Health Care Flexible Spending Account (LEX HCFSA)</span><br><span class="tool">A benefit plan available to employees who are enrolled in a Federal Employee Health Benefits Program (FEHBP) HDHP with an HSA. Dental and vision care costs (for services/ products that meet the IRS definition of medical care) are the only reimbursable expenses covered under the LEX&nbsp;HCFSA. For more information, visit <a href="javascript:redir("http://www.fsafeds.com");" class="external">http://www.fsafeds.com</a>.</span>';
                  
var ppt = '<span class="htool">Premium Pass Through</span><br><span class="tool">We automatically pass through a portion of the total health Plan premium into your HSA or credit an equal amount to your HRA based upon your eligibility. The amount transferred is called the premium pass through.</span>';
                  
var qualified = '<span class="htool">Qualified Medical Expenses</span><br><span class="tool">Those eligible expenses paid for care as described in Section 213(d) of the Internal Revenue Code. Additionally, the IRS has allowed some over-the-counter drugs to qualify as eligible medical expenses. For more detailed information, refer to IRS Publication 502.<br><br>For the HRA, FEHB law does not permit qualified medical expenses to include services, drugs or supplies related to abortions except when the life of the mother would be endangered if the fetus were carried to term or when the pregnancy is the result of an act of rape or incest.<br><br>Qualified medical expense substantiation refers to the process of determining that expenses submitted to an administrator (such as Blue Healthcare Bank) that are to be paid from HRAs, meet the requirements defined by IRS regulations.</span>';

var fraud1 = '<span class="htool">Billing for services not rendered &mdash; billing the insurance company for services (e.g., office visits, checkups, physicals, etc.) that were never provided to the member.</span>';

var fraud2 = '<span class="htool">Billing for medically unnecessary services &mdash; billing the insurance company for services that were not necessary in the treatment of the member.</span>';

var fraud3 = '<span class="htool">Misrepresentation of services &mdash; billing the insurance company for services that do not accurately represent the actual services provided.</span>';

var fraud4 = '<span class="htool">Misrepresentation of identity &mdash; representing oneself or others as if they meet the criteria for health insurance coverage or are the actual person who is covered by the plan.</span>';

var fraud5 = '<span class="htool">Ineligible dependents &mdash; representing oneself or others as if they are eligible dependents meeting the criteria for health insurance coverage (e.g., maintaining coverage for ex-spouse).</span>';

var fraud6 = '<span class="htool">Altered claims (medical/prescription) &mdash; changing the original claim or prescriptions (e.g., changing the quantity from 30 to 130).</span>';

var fraud7 = '<span class="htool">Thin air scripts &mdash; pharmacists billing the insurance company for prescriptions that were never written by a doctor or never received by the member.</span>';

var fraud8 = '<span class="htool">Shorting &mdash; pharmacists billing for a larger quantity of a drug when in fact they dispensed a lesser quantity.</span>';

var fraud9 = '<span class="htool">Doctor shopping &mdash; obtaining narcotic prescriptions from multiple doctors through deceit.</span>';

var fraud10 = '<span class="htool">Falsification of SF 2809 &mdash; including false / fraudulent information on the form that would otherwise prohibit coverage (e.g., listing a girlfriend as a spouse).</span>';