Individual Health Insurance NC

Regardless of why you need the coverage, you are guaranteed to have a plethora of companies who offer individual health insurance NC. Each resident of North Carolina knows the importance of maintaining health insurance. Before you select a company to do business with, there are many aspects of the insurance policy to consider.  These aspects include your co-pay per office visit, prescription drug costs, your deductible and coinsurance, and maximum out of pocket exposure.

 

Individual health insurance NC plans come in many forms and varieties. However, most health insurance companies tend to follow the same basic formula when it comes to offering health plans. You will usually be able to select from an economical base plan or a comprehensive health plan.  Dependent upon the company you choose to conduct business with, there may be other customizable options to choose from.  For example, you may have the option to not have copays for doctor office visits or prescription drugs to reduce premiums.

 

The tenements of an economical base plan may follow the same basic guidelines. The rates you pay for your individual health insurance NC plan will be dependent upon the deductible option you select…the lower the deductible the higher the premium.  Although it varies for each company, most insurance companies will offer a maximum amount of $5,000,000 of coverage over your lifetime. You will generally be able to have between two and six doctor’s office visits each year with preset co-pay. In order to entice new customers, most insurance companies will guarantee that you will have the same insurance premium each month for a year.  If you must go with the basic plans it is highly recommended that you go with a plan that offers brand drug prescription coverage. Also make sure you are not buying a limited benefit plan.

 

A comprehensive individual health insurance NC plan covers a wider variety of services than does the basic plan.  There are no limits on the number of times you may see a doctor in a given year for the set copay amount. These health insurance plans will cover brand drugs which in our opinion is VERY important. There will be no limits on certain procedures or claims. Just because it is a comprehensive policy doesn’t mean that it will be the most expensive. Research your options and consult with us to determine which policy is best for you.