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.
Water makes up 78 percent of body weight in newborn babies, but by the end of their first year, that percentage has dropped to 65 percent. Since fat tissue has less water than lean tissue, adult women with higher levels of body fat have less water than adult men.