Southeast Insurance Solutions, Inc.
Southeast Insurance Solutions, Inc.
2137 Chatham Avenue
Charlotte, NC 28205
Phone: 704-560-8972
Email: info@seinsurancesolutions.com
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Three Factors to Consider When Buying North Carolina Individual Health Insurance

Buying North Carolina Individual health insurance is one of the most important purchases you will make. A health insurance policy will protect your finances and ensure you get the care you need should a medical crisis strike. It is important that you put enough thought and time into the process so that you get a plan that truly meets your health care needs. There are many benefits associated with buying individual health insurance including policy customization and portability. If you have decided that getting individual coverage is your best option, here are 3 factors to consider when purchasing your health insurance policy.
 
Network – One of the most stressful things about picking a North Carolina individual health insurance is making sure that your current doctor is in the plan’s network. If your doctor is outside of the network, then you will have to go through the pain of either finding a new doctor in your insurance’s network or paying the out of network fees each time you visit your current doctor. Trust me - you do not want to go out of network. If you want to keep your doctor, then you may want to first ask them what insurance providers they accept and then search out the best policy among them. Additionally, you will want to make sure that the network is nationwide so you are covered when you travel.
 
Carrier Rating – There are hundreds of insurance carriers and plans on the market but you want to only do business with reputable companies who will be there for you when you need them. Stick with well known companies that are consistently rated highly for their plans and service. You can find carrier ratings at trustworthy websites like AM Best, Consumer Reports and S&P. The ratings should be at or equivalent to A or above. Anything below that and you risk getting an individual health insurance plan that costs you more than it benefits you. A health insurance agent can also tell you about the ratings of different insurance carriers.
 
Premiums – Finally, the cost of your insurance premiums should factor into which individual health insurance plan you buy. Compare quotes between plans and insurance carriers. The cost of coverage can differ drastically between carriers so it is important that you always check around for the best deal. You should know, though, that the policy underwriting will determine the final cost of your premiums. Things like preexisting conditions and lifestyle will influence how much you pay for your North Carolina individual health insurance and working with a qualified agent is the best practice to ensure you make the right decisions.

 

Southeast Insurance Solutions, Inc.
2137 Chatham Avenue
Charlotte, NC 28205
704-560-8972