Homeowners insurance covers severe damage to a home. Homeowners insurance, also referred to as hazard insurance, provides a way for a homeowner to cover her losses if a disaster should cause damage to her home.
1 If you have 365 days of CPT, you may not be able to get an OPT.  So an OPT and a CPT are similar in the way they both allows you to work legally in the U.S. You will need a CPT to work as an intern before graduation, you will need an OPT to work after completing a degree.
- Red = Risk adjusts in only the 2013 CMS-HCC model. - Black = Risk adjusts in both the 2013 CMS-HCC model and the 2014 CMS-HCC model. - Orange = Risk adjusts in only the 2014 CMS-HCC model. Note: The 2014 Payment Year model is a blend of the 2013 CMS-HCC model (25%) and the 2014 CMS-HCC model (75%). optum risk adjustment toolbook 6 CPT is a registered trademark of the American Medical Association.