North Carolina Health Insurance Quotes
You've arrived at InsureMe's North Carolina health insurance quotes and
information page. Since 1993, we've been helping North Carolina citizens find
competitive health insurance quotes by putting them in touch with qualified
local insurance agents. And we can help you, too! Just supply us with a little
personal information and you'll be on your way to the policy you need.
Lack of sufficient health insurance when you need it can leave you frustrated
with mounting medical bills and financial worries. Don't wait until it's too
late to get the coverage you need. Contact InsureMe today!
North Carolina Health Insurance Options
Two different health insurance categories generally offer North Carolina
health and medical insurance-group and individual. Typically, your
employer offers you North Carolina health insurance through a group plan,
whereas if you are purchasing a health care plan on your own, that type is an
individual health plan.
The types of North Carolina health insurance policies available include:
- Major medical plans-Often called indemnity or
fee-for-service plans
- Managed-care plans-Include Preferred Provider Organizations
(PPOs), Health Maintenance Organizations (HMOs), and Point-of-Service plans
(POS)
Major medical plans are designed to cover and reimburse medical
expenses such as surgery, hospitalization, doctor visits, prescription drugs and
diagnostic tests. These plans allow you to choose your own doctors and
hospitals, and generally limit your annual out-of-pocket expense.
Managed-care plans provide services such as routine physicals and
wellness and health screenings. However, you must usually use contracted health
care providers, who will service your needs and charge negotiated rates.
Requiring you to use only network providers enables managed-care plans to
negotiate discounts on your behalf, thus keeping your health care costs
down.
Questions to Ask
Consider asking the following questions of North Carolina health care
providers when comparing various policies:
What does the plan cover? What is not covered?
Does the plan pay for prescriptions?
Are dental care, vision care and mental-health care covered?
How often do rates change? Do they increase as I get older?
How much are my deductibles and copays?
Are there waiting periods before certain treatments are covered? If so, how
long?
Is there a lifetime benefit maximum? If so, how much?
Things to Remember
North Carolina health insurance consumers should follow these recommendations
when purchasing health insurance:
- Fill out your application accurately and completely.
- Make sure you understand what you are buying. Ask your agent or insurance
company to clarify anything you don't understand.
- Do not be misled by advertising. You are the only one who can determine if a
particular policy is right for you.
- Verify all company/agent licenses to ensure they are certified to sell
insurance.
- If you are looking for a managed-care plan, check the provider's directory
for suitable doctors, hospitals and other health care providers.
- Call the insurance company's customer service number to see how quickly you
can get help.
- If you have special needs or preexisting conditions, contact a doctor or
support organization for health insurance recommendations.
- Never permit high-pressure tactics. Report any abuse to the Department of
Insurance.
More Information
For more information on North Carolina health insurance, please refer to our
health insurance FAQ section, or call the North Carolina Department of Insurance
Consumer Services Division at 800-546-5664 toll free.
Now, get the quote you need!
Going without health insurance is never wise. Take just a few minutes to fill
out our "Get a free quote" box, and we'll send you up to five North Carolina
health insurance quotes free of charge.
Submit your information, and protect yourself and your loved ones
today.
