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Default SUMPRODUCT except for

I need to create a formula that will count everything in a column except for
4 items (Medicare, Medicaid, Self Pay and blanks). I use =COUNTIF to get
seperate totals on all those but the blanks, ie.
=COUNTIF(Sheet1!B2:B400,"MEDICARE") etc. But now I need to count ALL the
other insurance names that are not one of those 3 and is not a blank. So I
need something that will sum everything in column B excecpt for those 4 that
I listed above.

Any help would be greatly appreciated.
 
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