Legal Liability and Insurance

Injury Management

Torts

legal wrongs committed against a person or property of another

Good Samaritan Law

provides limited protection to someone who chooses to provide first aid but does not apply to someone who has a duty to act as dictated by the nature of his or her job

Managed Care

a concept in which costs of health care are monitored closely by insurance carriers

Affordable Care Act

mandates the availability of affordable health care insurance for every American

Preferred Provider Organizations

provide discount health care but also limit where a person can go for treatment of an illness or injury

Health Maintenance Organizations

provide preventive measures and limit where the individual can receive care; pay 100% of medical costs as long as care is rendered at an ____ facility.

misfeasance

occurs when an individual improperly does something he or she has the legal right to do

Assumption of Risk

the individual, through expressed or implied agreement, assumes that some risk or danger will be involved in the particular undertaking

malfeasance

an individual commits an act that is not legally his or hers to perform.

act of- commission

National Federation of State High School Associations (NFHS)

an organization that offers a program to districts at the secondary-school level

Point of Service

a combination of a health maintenance organization plan and a preferred provider organization plan

capitation

system that limits the amount that is reimbursed for a specific service (used by many HMOs to determine fees)

Health Insurance

a contract between the insurance company and policyholder

nonfeasance

an individual fails to perform a legal duty

an act of omission

Standard of reasonable care

assumes that an individual is neither exceptionally skillful nor extraordinary cautious but is a person of reasonable and ordinary prudence

Duty of Care

a requirement that a person act toward others and the public with watchfulness, attention, caution and prudence that a reasonable person in the circumstances would; if a person’s actions do not meet this standard of care, then the acts are considered negligent, and any damages resulting may be claimed in a lawsuit for negligence

negligence

the failure to use ordinary or reasonable care that persons would normally exercise to avoid injury to themselves or to others under similar circumstances

liability

state of being legally responsible for the harm one person causes another

National Operating Committee on Standards for Athletic Equipment (NOCSAE)

establishes minimum standards for equipment that must be met to ensure its safety

sovereign immunity

athletic trainers employed by public schools or by state-funded colleges or universities may be protected by the legal doctrine of ____.

Product liability

liability of any or all parties involved in manufacturing a product for damage caused by the product

secondary insurance

covers an athlete remaining medical bills once his or her personal insurance company has made its payment

statutes of limitation

sets a specific length of time an individual can sue for damages resulting from negligence

accident insurance

low-cost insurance available to a student

covers accidents occurring on school grounds while the student is in attendance

catastrophic insurancr

catastrophic injuries in athletes

organizations that provides additional coverage to athletes who need lifetime of extensive are:

National collegiate Athletic Association (NCAA)

National Association of Intercollegiate Athletics (NAIA)

National Federation of State High School Association (NFHS)

Medicaid

federal health insurance for:

people with low incomes

limited resources

funded by federal government and individual states

medicare

federal health insurance program for the aged and disabled

National Provider Identifier

government issued identification number for individual health care providers and provider organizations

third party reimbursement

health care providers reimbursed by the policyholders insurance company for services performed