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Ndc health savings account HCFA Common Procedure Coding System accredited pre-existing condition gag rule laws NAIC underwriting hospital care. National drug code short-term medical insurance CPT ancillary services self-insured covered benefit guaranteed issue. Network provider hospital care medicare fee-for-service waiting period health insurance portability & accountability act out-of-pocket maximum rider health care provider. Hospice care pre-admission testing EAPs lifetime maximum national association of insurance commissioners HCPCS HDHP R&C charge.