All FI must meet the requirements outlined in the medicare intermediary manual. Fiscal intermediary services organizations (FISOs) are regulated by the Office of Insurance Regulation.
Fat free mass consists of water (72%) protein (21%) and bone minerals (7%) typically an adult has only 3-4kg bodyweight from bone. Fat mass varies considerably between individuals, in terms of absolute amount. Fat mass consists of 20% water and 80% adipose tissue. Healthy ranges of body fat range from between 14-20% for men, a percentage of greater than 25% is considered to be unhealthy and puts the individual at an increased risk of obesity related illness. Healthy ranges for women range between 17-24% where a level of 30% body fat is considered unhealthy and at a level of increased risk.
However, fat tissue does not have as much water as lean tissue. In adult women, fat makes up more of the body than men, so they have about 55% of their bodies made of water. Thus: 1  Babies and kids have more water (as a percentage) than adults.  Women have less water than men (as a percentage).