Over the years we have been able to save families hundreds of dollars in premiums by helping them purchase North Carolina child health insurance. This was accomplished because many employers that offer group health insurance have opted to only pay only the employees health premiums. Spouses and children can be on the group plan but the employee would have to pay the full premium for their portion of the coverage. Because the family portion isn't subsidized by the employer, this makes their premiums very expensive. Until 9/23/2010 we have been recommending that the employee remain on the group health plan and have the children and or spouse obtain individual health insurance plans. This results in the families saving hundreds of dollars per month in health insurance premiums.
However, obtaining
North Carolina child health insurance today is not going to be the same as it was yesterday. One of the provisions of Health Care Reform that President Obama has put into effect is that as of 9/23/2010 children under the age of 19 cannot be denied health insurance due to preexisting conditions. This change is a blessing for hundreds or thousands of people who have children with major illness that cannot obtain coverage.
While this is a blessing for the sick, it will have a major effect on your ability to purchase North Carolina child health insurance causing many families to pay for overpriced group health insurance. The reason is that as of 9/27/2010 the majority of individual health insurers have decided to not offer child only health insurance to children under the age of 19. If the family wants the child covered on individual health plans one of the parents will have to be on the policy with the child. Because children cannot be denied, I would expect children's rates to rise drastically in 2011. Currently there is only ONE carrier still offering child only coverage. To receive a personalized quote please click this link and complete the form:
If you have a child with a preexisting condition that in the past rendered them uninsurable there are affordable solutions other than individual plans. The two guaranteed issue health plans that are available are the new Federal Health Insurance Risk Pool and the North Carolina Health Insurance Risk Pool. Each has their own criteria for acceptance. These plans are priced higher than individual coverage but may be your only option. If the child does qualify for individual coverage then our recommendation would be to secure this type of coverage. However, as stated above your options are limited to only one carrier. Please contact us directly to determine which options are available for you to obtain the best North Carolina child health insurance policy and have a professional assist you in this very important decision.
