Affordable Health Insurance North Carolina
Finding affordable health insurance North Carolina is not a pipe dream. It is possible for anyone. With the continually rising costs of health care, it is necessary to have health insurance for you and your family’s financial well being. If a resident in North Carolina does not have their coverage through a group plan, they will quickly learn how expensive individual healthcare insurance policies can be. Before you purchase an insurance policy from any provider, you should first establish what forms of coverage you will need from your insurance policy. If you are willing to cover the small stuff, then a North Carolina health savings account plan may be right for you or if you like the peace of mind in having set fees for doctor visits and prescription drugs then a traditional copay plan may be right for you.
According to the laws that govern affordable health insurance North Carolina, an insurance company must review any and all applications for individual health insurance. A disabled child may continue to receive the benefits of their parents’ insurance policy, even after reaching their majority, if they are unable to support themselves. Any insurance policy offered by a provider in North Carolina must cover some specific services. Two examples of these services would be mammograms and diabetes treatments. The exclusion of pre-existing conditions from an insurance policy’s benefits is at the discretion of the insurance company.
With these laws in mind, there are several options for those who are seeking affordable health insurance in North Carolina. Medicaid is a health insurance program designed for low-income individuals and families who cannot afford health care costs. Medicaid serves low-income parents, children, seniors, and people with disabilities. To qualify for this program you must meet certain income requirements and if enrolled there are no premiums or copayments at this time. To learn more about this program please visit NC Medicaid website.
Another option is the NC Children’s Health Insurance Program, also called North Carolina Health Choice for Children. This program is a free or reduced price comprehensive health care program that your child(ren) may qualify for if you find that your family makes too much money for medicaid but not enough to afford private health insurance for the whole family. Some enrollees will have to pay an annual enrollment fee of $50 for one child and $100 for two or more children. Once enrolled, benefits include low copayments for doctor visits, prescription drugs, and non-emergency use of ER. For more information and complete overview of the program please visit North Carolina Health Choice for Children’s website.
If you must purchase an individual health plan, you still have options for finding affordable health insurance North Carolina. Your best bet will be to receive a health insurance quote on your desired policy. A part of our service here is to provide you with a tool to view quotes from various providers to see what is offered and view plans side by side to compare benefits. It is important to remember that a quote is not a guarantee of insurance by that particular company and will always be quoted best case scenario. Current or previous health conditions can and will factor in to your final rates. It is possible that you may be rejected for coverage. Once you find an affordable health insurance North Carolina policy and before applying, it is best to consult with us about the different plans to make sure that you are matched with the right coverage and carrier.
