Rick Debe Insurance Agency - DBI Insurance Services
(262) 363-8650
Office Hours: M - Th 8:30 - 5:30 Friday 8:30 - 3:00

We've listed all the relevant insurance terminology we could think of...and then some!  If you don't find what you're looking for, just send us an email with your question and we'll get right back to you with the answer!


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Hacker Insurance

A coverage that protects businesses engaged in electronic commerce from losses caused by hackers.


Health Employer Data and Information Set

HEDIS enables purchasers and consumers to readily compare the performance of managed care plans. HEDIS is a standardized set of performance measures that assesses plans' performance on a number of elements, including such things as financial stability, access and quality of care. It has been used extensively by private sector purchasers to judge the quality of care provided by plans to their employees. It is sponsored, supported and maintained by the National Committee for Quality Assurance (NCQA).

Health Insurance 

A general term for insurance against loss by sickness or bodily injury. This usually includes coverage for medical expenses such as doctor visits and hospital stays and can cover normal and preventive care such as check-ups, prenatal care, and well-baby care.

Health Insurance Risk Sharing Plan  

Wisconsin's high risk health insurance pool. HIRSP offers health insurance to Wisconsin residents who either are unable to find adequate health insurance coverage in the private market due to their medical conditions or who have lost their employer-sponsored group health insurance. Applicants are required to meet HIRSP eligibility criteria to qualify.

Health Maintenance Organization  

A health care financing and delivery system that provides comprehensive health care services for enrollees in a particular geographic area. HMOs require the use of specific plan providers.

High Risk Health Insurance Pool 

(See Health Insurance Risk Sharing Plan)

Home Health Care

A wide variety of skilled nursing care and supportive services for individuals who do not need institutional care. The services are available through intermittent visits and may include nursing care, physical therapy, speech and hearing therapy, occupational therapy, social services, and other support services.

Homeowner's Insurance Policy

Package policy that combines (1) coverage against the insured's property being damaged by various perils, and (2) coverage for liability exposure of the insured. Homeowner's policies cover both individuals as well as property. Homeowners insurance also covers additional living expenses. Known as Loss of Use, this provision in the policy reimburses the policyholder for the extra cost of living elsewhere while the house is being restored after a disaster. The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood and earthquake damage is excluded and must be purchased separately.

Hospice Care

A specially designed package of social and medical services that primarily provides pain relief, symptom management, and supportive services to terminally ill people and their families.

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