We promise to give you quality health insurance at an affordable cost.
Quality Insurance
Hatcher & Associates is dedicated to a no-nonsense approach to health insurance. We focus on giving you the insurance you need in a timely and cooperative manner.
A federation of fraternal benefit societies. (LI,H)***
National Health Insurance
Any system of socialized insurance benefits covering all or nearly all of the citizens of a country, established by its federal law, administered by its federal government, and supported or subsidized by taxation. (H)
Newspaper Policy.
A form of Limited Health Insurance often sold by newspapers to build or conserve circulation. (H)
Noncancellable ("Non-Can")
A contract of Health Insurance that the insured has a right to continue in force by payment of premiums, as set forth in the contract, for a substantial period of time, also as set forth in the contract. During that period of time, the insurer has no right to make any change in any provision of the contract. The NAIC recommends that the term "noncancellable" not be permitted to be used to designate any form that is not renewable to at least age 50 or for at least five years if issued after age 44. Note that this is in contrast to Guaranteed Renewable, on which the premium may be increased by classes. The premium for noncancellable policies must remain as stated in the policy at the time of issue. Contrast with Guaranteed Renewable.
Nonconfining Sickness
Sickness that doe
Non-disabling Injury
An injury that does not qualify the insured for total or partial disability benefits. A Disability Income policy may contain a provision for a small benefit in the case of such an injury, including medical costs of up to 25% or 50% of one month's disability benefit payment. (H)
Nonduplication of Benefits
A provision in some Health Insurance policies specifying that benefits will not be paid for amounts reimbursed by others. In Group Insurance, this is usually called coordination of benefits (COB). (H)
Nonoccupational Insurance
See Unemployment Compensation Disability Insurance. (H)
Non-Occupational Policy
A policy or provision of a policy which excludes accidents occurring on the job, when such employment is covered by workers compensation. (H)
Nonparticipating Provider
(1) A provider who has not signed a contract with a health plan. (2) A medical or health care provider who is not certified to participate in the Medicare program. (H)
Nonparticipating Provider Indemnity Benefits
Coverage where services provided by nonparticipating providers are reimbursed under an indemnity basis. (H)
Nonprofit Insurers
Insurers organized under special state laws, usually exempting them from some taxes imposed on regular insurers, to supply Medical Expense Reimbursement Insurance, usually on a service basis. "Blue" plans (Blue Cross and Blue Shield) in most states are an example. (H)
Nurse Fees
A provision in a medical expense reimbursement policy calling for reimbursement for the fees of nurses other than those employed by the hospital. (H)
Nursing Home
A licensed facility which provides general nursing care to those who are chronically ill or unable to take care of necessary daily living needs. May also be referred to as a Long Term Care facility. (H)
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