Individual Health Insurance NC - North Carolina Health Insurance Risk Pool
The truth about individual health insurance NC is that if you need the coverage immediately because of a medical condition, then you may have some difficulty finding it, especially if you are not on a group plan. If you are a resident who insurance carriers consider high risk, then you are probably used to being rejected or to having ridiculously high rates placed on your plan. If this is the case, then don't worry, there are options for you to continue having excellent health coverage.
If you are a high risk North Carolina resident looking for individual health insurance NC then Inclusive Health - North Carolina Health Insurance Risk Pool may be your only option for major medical coverage. Inclusive Health is a state service that exists to help high risk residents of NC get the health care they need. Not everyone qualifies for Inclusive Health. If you have a qualifying health condition, been denied by a major health insurance carrier, or if you are HIPPA eligible by having exhausted your full 18 months of COBRA coverage then you may qualify for Inclusive Health.
Inclusive Health has helped many North Carolina residents receive quality health care since January 2009. If you qualify for the plan all preexisting conditions are covered from day one if you have not had a lapse in coverage of more than 63 days and have had continuous coverage for the past 18 months. If you have not had prior coverage you may have a twelve month exclusion before preexisting conditions will be covered.
Inclusive Health currently offers four plan choices for you to choose from depending on your budget. Three are traditional copay plans with different deductibles and coinsurance limits. They also offer a $5000 High Deductible Health Plan (HDHP) that qualifies for a Health Savings Account (HSA). Unlike individual health plans that are underwritten for medical conditions, Inclusive Health's rates are only based on age and whether or not you are a tobacco user. Because Inclusive Health takes on the highest risk candidates, the monthly premiums are going to be more expensive than an individual plan (if you could qualify) but not as costly as it would be for you to go without coverage.
If you feel you are a candidate for Inclusive Health, you should start working with a licensed North Carolina agent today that can guide you through the plan choices and make sure that this is the right program for you. An agent always has your best interest in mind, and he or she won't cost you a thing. Look at your agent as being the professional who will guide you through the maze of individual health insurance NC.
If you are ready to talk with an experienced agent now please complete the form below and we will be in touch with you within the next 24 hours:
