Network: The doctors, clinics, hospitals, and other medical providers that a health plan ...
Network Providers: The doctors, clinics, hospitals, and other medical providers that are in the network(s) of the health plan.
Non-Participating Provider: A provider that has not contracted with a health plan to provide health care services to covered persons.
Non-Contributory: A group benefit plan typically through an employer, in which the employer pays all of the premiums.
Non-Tobacco/Non-Smoker: A rating class assigned to an insurance policy in which the insured has been classified as a non-user of tobacco and/or nicotine products.
NEW HEALTH INSURANCE ADVICE
Purchasing health insurance can be a tricky affair. There are many kinds of insurance policies in Florida, Individual Florida Health Insurance, Florida Group Health Insurance, Florida Dental Insurance, Florida Maternity Insurance, Florida Health Savings Accounts, Florida Temporary Health Insurance, and Florida Child-Only Health Insurance.
Individual Florida Health Insurance is deemed to be expensive which makes it unaffordable to most people. Also, relatively healthy applicants alone are accepted. Some of the illnesses that are given an automatic decline are cancer, colitis, some diseases of the heart, Hepatitis C, etc.
Florida Group Health Insurance plans have premiums that have been increasing every year. Group health insurance costs a lot because it is usually sold to a group of less than 50 which means that coverage cannot be denied no matter how many people really claim it. This is the case when insurance is sold to small groups.
Dental Insurance is offered in the form of a discounted fee for a particular service plan. This means that while you pay premiums every month each of the dental procedures is offered on a discounted basis. 20% - 25% discount is normally offered on each procedure. Some of the Dental Insurance providers are Preferred Provider Organization, Dental Health Maintenance Organization, and Combo Preferred Provider Organization (PPO) & Indemnity Plans.
Florida Maternity Insurance is an insurance that is quite affordable. A flat fee is available for c-section and normal deliveries. $2200 and $3500 are offered for vaginal deliveries. All insurance plans have a waiting period of 9 to 15 months. Florida Maternity Insurance Plan offers a full coverage of pre-natal and delivery charges. Co-insurance is not available but there is full coverage after the deductibles.
Florida Health Savings Accounts (HSA) offer tax-exemption and the insurance premium fall in the lower range. HAS is a custodial or trust account. Health care expenses and medical insurance are both covered under HSA. A conforming health insurance plan is all what one needs to avail the services of HSA. Even the unemployed class can have an HSA.
Florida Short-term or Temporary Insurance Plans are complete medical plans. They can even be issued within 24 hours. They cannot be used in case of prolonged illness or hospitalization and any uninsured condition cannot be claimed for.
Florida Health Insurance for Children is a good option for people from low income groups. The parent or guardian is the applicant. This is applicable even for the new born as long as at least one member of the family is insured. Some of the common insurance plans for children are KidCare Medicaid, MediKids, Florida Healthy Kids, and Children's Medical Services Network.