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.
Contrary to what one might think, fatty tissue contains less percentage of water per volume than does muscle tissue. One pound of muscle has more water in it than one pound of fat. So the less lean a person is, the less their body weight is made up of water. In extreme obesity, the percentage of water in the body has been measured to reach as low as 45%. Due to physiology, an average, fit and trim adult woman generally has somewhat more fat tissue than does a man of similar fitness and age.