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North Carolina health insurance
Health insurance is important for every individual. When you keep in mind the tremendous amount of increase in health care costs in recent times, you realize the importance of having a health insurance plan. If you are a resident of North Carolina and are looking for health insurance, we have all the information you might need.
Individual health insurance in North Carolina
Buying a health insurance plan as an individual may appear to be a daunting task. Once you consider that the costs of premiums have increased by around 85.6% in the past few years, the situation becomes even clearer. When you are considering an individual or family health insurance plan, you need to consider aspects like benefits provided by the plan and the costs you have to bear for it. Similarly, when you are considering costs, you should take into account the monthly premiums as well as the deductibles, co insurance, copayments and other charges you have to pay. However, when you are going for a plan, donít go for the cost only. You should be considering other aspects like the suitability of the benefits provided etc. it is no use having a cheaper plan that does not cover you when you need it the most. Based on the above factors, you might consider PPO, HMO or POS type of plans.
Medical underwriting is allowed in the state of North Carolina. So, an insurance carrier may reject your applications for insurance based on your health status.
Insurance for small business and groups
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The preexisting clause can extend up to 6 months prior to your application and the company may deny covers for those conditions up to 12months.
The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
North Carolina also provides a high risk pool for people who are unable to secure cover elsewhere because of health or other factors.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of North Carolina. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
North Carolina Medicaid plans
Medicaid plans are also offered in the state of North Carolina. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
North Carolina also offers the childrenís health insurance program (CHIP). Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of North Carolina and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top North Carolina Health Insurance Carriers
Our service is the best way for you to secure the most suitable North Carolina health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find North Carolina Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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