Health Insurance in NC

Too many people today are living without health insurance in NC. The trend is likely due to the struggling economy, as individuals and their families find themselves uninsured after the loss of a job, pension cutbacks, or early retirement. For those living in North Carolina, the statewide statistics are actually starting to rebound.

 

The uninsured population has decreased from 17.2 to 15.9% in the last year, and smoking has also declined by about 10%. Unfortunately, obesity has skyrocketed from 19.4 to 29.5%, leaving North Carolina in the #37 ranking of the healthiest states in the US. For those remaining in the 15.9% of the uninsured population, it is important to learn about the availability of individual health insurance NC.

 

For North Carolina residents who have lost their job, along with the health insurance benefits that came with it, the laws in place allow for a continuation of the same health insurance for 18-36 months, but the cost of premiums falls to the individual instead of the former employer. The same option for continued coverage is extended to children who turn 18 or finish school and can no longer be claimed as dependents under their parents’ heath insurance policies.

 

If you cannot afford to pay the health insurance premiums, there are a number of programs for health insurance in NC that can help. If you and your family meet the income limits, Medicaid and Heath Choice for Kids can assist you with health insurance costs. Coverage is generally granted to pregnant women, parents with dependent children, and anyone who can demonstrate that the majority of their income is currently going towards health care. Even if parents themselves don’t qualify, their children may qualify for NC health insurance.

 

There is legislation in place to regulate North Carolina health insurance. These laws control whether or not an insurance company is required to offer you a policy, they dictate which medical conditions must be covered, and they also place a cap on premiums. Working with a professional independent agent from Southeast Insurance Solutions can assist you in understanding the rules and applying them to your specific case.

 

Don’t live with the stress of hospital bills, medical fees, and expensive prescription drug costs. Utilize the programs available to you and your family to secure health insurance coverage. Whether your employer doesn’t offer sufficient coverage, you are between jobs, or you’ve retired, you have the right to heath care and you don’t have to sacrifice your life savings to pay for your medical needs. Explore your health insurance in NC options and get the coverage you need.