Glossary - Know exactly like a health insurance expert!

What is national accounts?
Large group accounts that have employees in more than one geographic area that are covered through a single national contract for health coverage. Contrast with large local groups.

What is National Practitioner Data Bank?
A database maintained by the federal government that contains information on physicians and other medical practitioners against whom medical malpractice claims have been settled or other disciplinary actions have been taken.

What is network model HMO?
An HMO that contracts with more than one group practice of physicians or specialty groups.

What is Newborns' and Mothers' Health Protection Act?
A federal law which mandates that coverage for hospital stays for childbirth cannot generally be less than 48 hours for normal deliveries or 96 hours for cesarean births.

What is no balance billing provision?
A provider contract clause which states that the provider agrees to accept the amount the plan pays for medical services as payment in full and not to bill plan members for additional amounts (except for copayments, coinsurance, and deductibles).

What is non-group market?
A market segment that consists of customers who are covered under an individual contract for health coverage or enrolled in a government program.

What is non-maleficence?
An ethical principle that, when applied to managed care, states that managed care organizations and their providers are obligated not to harm their members.