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2. Best life insurance for former drug users - AOL

   www.aol.com/finance/best-life-insurance-former...

   Term life insurance. Term life insurance policies are usually the least expensive option since the policy contract is for a predetermined amount of time instead of the policyholder’s lifetime ...

3. Prior authorization - Wikipedia

   en.wikipedia.org/wiki/Prior_authorization

   Prior authorization, or preauthorization, [1] is a utilization management process used by some health insurance companies in the United States to determine if they will cover a prescribed procedure, service, or medication.

4. Utilization management - Wikipedia

   en.wikipedia.org/wiki/Utilization_management

   Utilization management is "a set of techniques used by or on behalf of purchasers of health care benefits to manage health care costs by influencing patient care decision-making through case-by-case assessments of the appropriateness of care prior to its provision," as defined by the Institute of Medicine [1] Committee on Utilization Management by Third Parties (1989; IOM is now the National ...

5. Pharmacy benefit management - Wikipedia

   en.wikipedia.org/wiki/Pharmacy_benefit_management

   In the United States, health insurance providers often hire an outside company to handle price negotiations, insurance claims, and distribution of prescription drugs. Providers which use such pharmacy benefit managers include commercial health plans , self-insured employer plans, Medicare Part D plans , the Federal Employees Health Benefits ...

6. Types of life insurance - AOL

   www.aol.com/finance/types-life-insurance...

   Life insurance companies calculate rates based on the mortality risk of each policyholder, so taking steps to live a healthier, safer lifestyle could help you qualify for cheaper life insurance.

7. How to buy life insurance without a medical exam - AOL

   www.aol.com/finance/buy-life-insurance-without...

   This applies primarily to term life insurance policies. Ladder: Ladder offers term life insurance policies without requiring a medical exam for coverage amounts up to $3 million. Applications for ...