It's been a while since I posted a blog article but I saw something on Dateline the other night that hit a nerve and one that I end up talking to potential clients often about.  If you are looking for Medical Insurance North Carlolina, PLEASE make sure that you talk with a state licenced insurance agent.

There are numerous companies out there that prey on individuals with pre existing conditions or just people looking for affordable health insurance in North Carolina.  These plans are often referenced as Limited Benefit Health Insurance.  The word Limited is an understatement.  In my opinion, you are better off putting the premiums that these plans cost under your mattress than pay for this...your money will go further.

Typically these plans will pay a set amount for particular services.  For example I have seen some that advertise:

• up to $250 per day for hospitalization....a one night stay in the hospital will likely run you close to $1000 or more per day.
• up to $500 per day for intensive care....this will likely be closer to costing you about $4000 per day.
• up to $400 for out patient surgery...my dad recently had outpatient surgery for kidney stones and his bill was $28,000!  Luckily he has Major Medical Insurance North Carolina!

As you can see, these aren't really "benefits".  And to top it off you are paying $200-500 per month for this garbage.  It really makes my blood boil that folks out there can sell this stuff to people and sleep easily at night.  Just remember, if it sounds to good to be true it likely is.

Here are some common marketing tactics that these companies will say:

• You are pre approved at a rate of $$.
• All pre existing conditions covered, no underwriting.
• This plan is only available for the next 3 days so please call me back asap

If you hear or see any of this nonsence...RUN!

Just remember when shopping for major medical insurance North Carolina that you use a licenced insurance professional...we are here to help you find the best plan (NOT the most expensive).  There are numerous plan options avaiable that we can explain to you to find coverage that meets what you are looking for. Here is a copy of my NC License...whether you buy from me or someone else make sure they can produce one of these for you.

Here is the video series from Dateline (sorry about the ads)...it's well worth watching to make sure you don't fall victim to this type of nonsence.

Visit msnbc.com for breaking news, world news, and news about the economy

Visit msnbc.com for breaking news, world news, and news about the economy

Visit msnbc.com for breaking news, world news, and news about the economy