Introduction: The health insurance situation in North Carolina is quiet displeasing. The Center for Disease Control conducted a survey. The report of the survey revealed that between 2001 and 2003, over 16% of the total North Carolina residents were uninsured for North Carolina medical insurance for each year.
In the below mentioned article, we have talked about some important aspects of North Carolina medical insurance. The aspects may include discussions on North Carolina medical insurance regulations and the state-aided medical insurance alternative programs, as well. Being a North Carolina dweller, you can certainly make use of the article to get informed about the health insurance situation of your state.
Some Regulations for North Carolina Medical Insurance
To control the overall North Carolina health insurance situation and to regulate the activities of the active North Carolina medical insurance companies, the state government of North Carolina has launched some important laws that are discussed below:
- North Carolina medical insurance companies can refuse or reject an application from a North Carolina individual, who is seeking for individual North Carolina medical insurance; considering the health condition and age, as key factors.
- North Carolina medical insurance companies can't deny coverage to an applicant, who is seeking for employer North Carolina medical insurance. Moreover, they can enjoy unlimited coverage.
- Every North Carolina individual is confirmed to get access to medical insurance through Blue Cross and Blue Shield.
- HIPAA qualified North Carolina individuals are also eligible to access most of the medical insurance policies offered by different North Carolina medical insurance companies.
- Every North Carolina medical insurance plans should have a guaranteed provision for renewal.
- This guaranteed renewability provision lets an individual renew his or her existing North Carolina medical insurance plan; unless he or she has not disbursed all the premiums, in time and provided any fake information during the term of the policy.
- Individual North Carolina medical insurance plans may carry elimination riders and waiting period for any pre-existing medical condition.
- A pre-existing medical condition may be defined as an illness for which was treated or otherwise diagnosed within 1 year previous to commencement of new North Carolina medical insurance policy.
- An elimination rider can permanently deny coverage for specific health conditions or body systems or body parts for the entire term of a health insurance policy.
- North Carolina medical insurance companies can inflict a waiting period for any pre-existing medical condition for not more than 12 months.
- Continual coverage can be credited from previous North Carolina medical insurance plan to new North Carolina medical insurance plan; for a pre-existing medical condition waiting period, provided there was no breakage in coverage during the term of previous medical insurance plan.
- North Carolina medical insurance company can affirm a medical condition be pre-existing, if an individual files claim for a medical condition and the insurer settles on that the condition was present before the application for the respective medical insurance plan. North Carolina medical insurance companies can deny coverage in such cases, if they think fit.
- Pregnancy is considered as a pre-existing medical condition by most of the North Carolina medical insurance companies.
- All newborns and adopted children should be automatically covered by parents' individual North Carolina medical insurance plans that provide dependant coverage. They should get coverage for first 30 days from the day of birth or adoption. The plans should be adjusted, accordingly to accommodate the newborns and adopted children; after the period is over.
- Disabled or handicapped children can remain covered under parent's North Carolina health insurance policy; even beyond the pre-decided upper age limit.
- North Carolina individuals, who are between jobs or North Carolina medical insurance policies, can take advantage of temporary North Carolina medical insurance coverage.
- There is no specific standard for North Carolina medical insurance rates.
- North Carolina medical insurance providers are free to decide the premium rates, depending on the health status, age and other deciding factors.
- North Carolina medical insurance companies can also hike the premium rates during renewal of existing health insurance plan.
North Carolina Medical Insurance Alternative Options
There are some active medical insurance alternative programs within the state of North Carolina. These are basically aided by North Carolina state government. North Carolina residents, who are otherwise considered as “uninsurable” or can't pay for North Carolina medical insurance, can access state-operated medical insurance alternative programs.
- North Carolina Medicaid: This program is obtainable to the North Carolina individuals who meet all the income as well as health related qualifying criteria.
- NC Health Choice for Children: This program is North Carolina's State Health Insurance Program, which is especially created to include children and teens to North Carolina medical insurance coverage. However, children from family units that are not qualified for North Carolina Medicaid or not able to pay for North Carolina medical insurance are eligible to access this program.
North Carolina Department of Insurance
For more information on North Carolina health insurance, you can contact at the office of North Carolina Department of Insurance. The address of the office is provided below:
North Carolina Department of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
800-JIM LONG (800-546-5664) [in North Carolina]
919-733-2032 [outside North Carolina]