Glossary of Insurance Terms

Network: The doctors, clinics, hospitals, and other medical providers that a health plan contracts with to provide health care to its members. Members are generally limited to network providers for full coverage of their health costs.

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. Generally health care benefits are reduced when a non-participating provider is utilized.

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.