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NFIB Health Benefits Program

NFIB Member Insurance Agents

Designed For Members Of The National Federation of Independent Business

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Association Member Health Benefits
 

Group Health Insurance  

Group Health Insurance is available on a guarantee to issue basis in every state per health reform laws that were passed in 1996. (*HIPAA) Although plans are available in 40 states through NFIB Health Benefits, pricing can vary by as much as 5x depending on your group size and State of primary operation.

Here is a list of some of the recent major health care initiatives passed by Congress and signed by the President.

  • The  Health Insurance Portability and Accountability Act of 1996 (HIPAA). This law guarantees coverage for small groups and provides for continuous coverage for individuals.
     

  • The Newborns' and Mothers' Health Protection Act of 1996 (the Newborns'  Act). This law requires insurance contracts to pay for a minimum number of days  in the hospital following childbirth.
     

  • The Mental Health Parity Act of 1996 (MHPA). The MHPA requires some health plans to provide coverage for mental conditions that is more in line with  coverage for physical conditions.
     

  • The  State Children's Health Insurance Program of 1997 (SCHIP). This law provides for federal grants to states in order to insure children in families that do not  qualify for Medicaid.
     

  • The  Women's Health and Cancer Rights Act of 1998 (WHCRA). This law requires insurance plans offering mastectomy coverage to also provide coverage for reconstructive surgery in a manner determined in consultation with the attending physician and the paNFIBnt

Comprehensive Group Medical Insurance Plans:

Note: Plans are not available in all states and exclusions and limitations may vary by state.

Group Proposals (Three Or More Employees)

 

 
    
    
 

 

 

e-mail: NFIBbenefits@assurantaffinity.com

 

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