Hospital & Doctor Insurance
Health ProtectorGuard fixed indemnity insurance,5 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.
- No deductibles or copays to pay first
- Benefits paid regardless of other insurance
- Money to pay costs not covered by major medical plans, like a deductible
Unitedhealthcare Individual And Family Marketplace Plans In North Carolina
Looking for health care plans on the Marketplace? UnitedHealthcare Individual and Family Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare of North Carolina, Inc. As part of the American Rescue Plan Act , many individuals and families are now eligible for lower or in some cases $01,2 monthly premiums for Marketplace health coverage.
Call / TTY 711 to talk to a representative.
What Types Of Alternative Health Insurance Plans Like Cost
Health care sharing and faith-based health plans are usually based on religious beliefs, but you dont need to be associated with any religious group to purchase a plan. Since theyre not considered insurance, the North Carolina Department of Insurance doesnt regulate them. You should carefully check the plan before you purchase one. Under the Affordable Care Ac, some benefits are mandated, and faith-based plans may not offer the critical coverage you need.
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Health Insurance Companies In North Carolina
There are a total of 7 health insurance providers in the state but they are not all present in every county with the exclusion of the Blue cross and blue shield that offers services in all parts of the state. Below is the list of current health insurance providers:
1. Ambetter of North Carolina: Ambetter health insurance plan is present in about 32 counties offering 3 metal levels:
2. Blue cross blue shield of Michigan mutual insurance: It was founded and has been operating since 1933 with a commitment to ensure North Carolina residents get improved quality health coverage. Youll find them in all the counties.
3. Bright Health company of North Carolina: Its present in over 30 counties and also offers dental, vision, and hearing coverage. Its prices could be cheap but with a trade-off.
4. Cigna: They offer coverage in the Bronze, Silver, and Gold metal levels in 68 counties.
5. Friday Health Plans: It has its headquarters in Denver. As one of the options available to you, it offers both group and individual plans but can only be found in just 3 counties.
6. Oscar health insurance of North Carolina: The company was started in 2012 and just like the others, aims to see to it you get affordable and high-quality health care coverage.
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So What Is Covered By Short Term Medical Insurance
North Carolina short term medical insurance plans are primarily intended to provide coverage for:
For many people, short term medical insurance is a great way to have temporary affordable protection to bridge the uninsured gap to open enrollment.
One of the biggest distinctions with North Carolina short term medical care plans is that they do not cover pre-existing conditions, maternity, and comprehensive mental health services.
Prescription drugs are also not typically covered by most STM plans. Because these are not factored into the plan, the premium prices end up being lower cost.
When you buy a short term medical insurance plan online in North Carolina you have many options from a variety of healthcare providers. There is no one size fits all solution because businesses, individuals, and families have different needs and circumstances.
You can select different the levels on your deductible, coinsurance, and copay depending on your budget. For cheaper monthly payments, you can choose a plan with a higher priced deductible. The tradeoff is that youll pay more out of pocket on medical expenses before receiving any benefits from the plan.
In order to offset some of the out of pocket costs associated with using a North Carolina major medical policy, you can look into Health Benefit Indemnity Plans that offer cash reimbursement for covered medical events.
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High Deductible Health Plan
Both UNC and the enrolled employee share the monthly cost of coverage. The enrolled employee will receive a monthly bill for his/her portion of the monthly cost.
Please contact to see if you are eligible for this plan.
How Much Does it Cost?
When does Coverage Begin/End?
How to Enroll or Make Changes
Health Plan enrollment and changes are made through ConnectCarolina Self Service or call the Benefits and Eligibility Hotline at: 855-859-0966.
Health Insurance Coverage For Multiple Years
TriTerm Medical Insurance,4 underwritten by Golden Rule Insurance Company, is short term health insurance that offers coverage for preventive care, doctor office visits, and prescriptions.
- Apply once for insurance coverage terms that equal one day less than 3 years.
- $2 million lifetime maximum benefit per covered person on most plans.
- Eligible expenses for preexisting conditions are covered after 12 months on the plan.
Questions about Short Term or TriTerm Medical insurance? Call / TTY 711 to talk to a representative.
What Is Health Insurance For The Self
Health insurance for the self-employed is any insurance plan purchased as an independent contractor or self-employed individual where you are required to cover the cost of your own employee benefits, including health insurance. You may have a couple of options for buying coverage, such as purchasing health insurance directly from a provider or through your states exchange or Heathcare.gov. You may apply during open enrollment which happens once per year every fall or after a qualifying life event.
Depending on your income, you may qualify for a discount through cost-sharing reductions, which may lower the cost of your deductible, co-payments, or co-insurance. To qualify, you must sign up for one of the Marketplace plans.
If your income is low, you may also see if you qualify for Medicaid, which could offer free or inexpensive health insurance. You may apply for Medicaid through the Marketplace or through your states Medicaid agency.
Health Care Cost Comparison
- Healthcare Bluebooks Fair Price shows you the reasonable amount you should pay for a medical service. Its calculated from a nationwide database of medical payment data and customized to your geographic area.
- Estimate your healthcare expenses at FAIR Health, Inc. Get essential information on costs for thousands of procedures and learn about insurance basics.
- GoodRx collects and compares prices and discounts from over 60,000 pharmacies. You can also print coupons, or send them to your phone, to get discounts on your prescription medications.
- NerdWallet lets you compare health insurance quotes for individual health plans. It will show plans that are offered by state and federal health insurance marketplaces.
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Faqs About Health Insurance
There are many factors to determine what type of insurance you may qualify for and the type of insurance you had before you relocated. After relocating to NC, you have 60 days from the last day of coverage to find coverage in NC.
To start, you may want to contact the Federal Health Insurance Marketplace if you do not qualify for Medicaid and/or Medicare to see if you qualify for a subsidy to assist you with healthcare coverage. The Federal Health Insurance Marketplace Consumer Call Center contact number is 1-800-318-2596.
If you do not qualify for a subsidy, there are several private insurance companies you may contact for information about health insurance depending on which county you are located. You may also contact an independent agent that can assist you in shopping around for benefit and quote information.
To find out if you qualify for a tax credit, you should contact the Federal Health Insurance Marketplace Consumer Call Center at 1-800-318-2596. If you qualify for a subsidy, your monthly premium amount will be reduced by your approved subsidy amount.
Best Overall: Blue Cross Blue Shield
Blue Cross Blue Shield
With a history of customer satisfaction and nationwide availability, Blue Cross Blue Shield is our top overall choice for a healthcare plan for the self-employed.
Data-driven to improve quality and affordability
Member experience may vary by region
Bad customer reviews in some states
Blue Cross Blue Shield is an association of 34 independent Blue Cross Blue Shield companies across the United States. Since 1929, the association has established a strong reputation, and most of its companies have high AM Best ratings, earning BCBS our top spot. The companies have scored 2.5 to 4.5 on a scale of 1 to 5 from the National Committee for Quality Assurance . Blue Cross Blue Shield companies also earned high rankings in many regions in the J.D. Power 2021 U.S. Commercial Member Health Plan Study.
Blue Cross Blue Shield offers coverage to 114.5 million members in all 50 states, Washington, D.C., and Puerto Rico. The companies have an expansive network including 96% of the countrys hospitals and 93% of doctors and specialists. Expats may also have health coverage through the companys global network. Depending on the state, Blue Cross Blue Shield companies may offer a variety of products. You may also have access to health and wellness discounts like gym memberships and fitness products through Blue365.
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Health Insurance Enrollment When Moving To North Carolina
When you move to a new state, there are a lot of official changes to make. From mail forwarding to updating your drivers license to registering to vote, there is plenty to remember. Did you know that updating your health insurance coverage should be at the top of the list after moving to the state?
NC Health Insurance Special Enrollment Life Events
If you just moved to North Carolina, you qualify for a special health insurance enrollment during anytime of year. There are many qualifying life events that qualify for a special enrollment period. Moving to a new state is one of the most often overlooked. During your special enrollment period, you can apply for subsidies in NC. You can also, switch insurance plans, or sign up for a new health insurance policy in North Carolina.
North Carolina Special Enrollment Time Frame
After moving to a new state, you can qualify for a 60-day special enrollment period. If you miss this time frame, you and your family will have to wait until the next open enrollment in November.
Avoiding Expensive Health Insurance Mistakes when Moving
Applying for subsidies and purchasing affordable health insurance on the health insurance exchange in NC can be confusing. To avoid making a costly mistake, it is important to work with a professional health insurance agent. When moving to a new state an agent can answer all your questions. They can also help you find the insurance plan that is right for you and your family.
Why Is Health Insurance So Expensive
The price of medical care is the single biggest factor behind U.S. healthcare costs, accounting for 90% of spending. These expenditures reflect the cost of caring for those with chronic or long-term medical conditions, an aging population and the increased cost of new medicines, procedures and technologies.
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Cheapestpos/hmo/ppohealth Insurance Plan In North Carolina
When purchasing a health insurance plan, it is important to consider your healthcare needs and preferences. In North Carolina, you can choose from HMO, POS or PPO plans. Health Maintenance Organization plans are the most common and affordable type.
An HMO plan provides coverage based on a specific provider network which you are restricted to unless you have an emergency. You will also require a referral to see a specialist on an HMO plan. Preferred Provider Organization plans are more costly than HMO policies, but they offer a wider provider network. You do not need a referral to see a specialist if you are on a PPO plan. A Point-of-Service plan offers the most flexibility in terms of providers, although costs for out-of-network providers are high.
MoneyGeek found that the cheapest Silver plans for each plan type are, on average:
- Cheapest HMO Silver plan: Silver 5000 offered by Bright Health at $468 monthly
- Cheapest PPO Silver plan: Blue Advantage Silver 6300 offered by Blue Cross and Blue Shield of NC at $636 monthly
- Cheapest POS Silver plan: Blue Local Silver 6300 provided by Blue Cross and Blue Shield of NC at $428 monthly
Discover Quality Health Insurance In North Carolina
Surprises can be good. A winning play at the end of a sporting event is exciting. A particularly beautiful sunset over the ocean is breathtaking. But a mountain of unforeseen medical bills isnt at all welcome. Thats why its wise to enroll in a health insurance plan.
Health insurance helps protect you from lifes surprises. Consider what you need out of health insurance and what you can afford. Look into plans and options and find the one that fits you best to stay protected no matter what comes your way.
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North Carolina Insurance License Application
Once you have completed your pre-licensing education, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.
The fee for an online application is $50 per line, plus a $44 application fee, the $38 fingerprint fee, and a $6 NIPR fee for a total cost of $138.
Fill out your online application on the NIPR North Carolina page.
Accident & Critical Illness Insurance
Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance5 and critical illness insurance5 can help by paying cash benefits for covered injuries or illnesses.
The Accident Pro series of products, underwritten by Golden Rule Insurance Company, combines accident insurance with critical illness, hospitalization, and accidental death and dismemberment coverage all in one. Some plans are guaranteed issue, meaning your application wont be turned down for preexisting conditions.
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What Does Health Insurance Not Cover
While theres a lot included in the health insurance minimum standard, many things arent included. And, many plans dont cover them. You can get insurance to cover some of things like dental and vision services. Services that most health insurance plans dont cover include:
- Adult dental services
- Vision services
- Hearing aids: For assistance getting a hearing aid contact the Hearing Loss Association of America. AARP also offers hearing care for members.
- Uncovered prescription drugs: You can ask your doctor for a substitute covered drug, or to request your insurer to make an exception.
- Acupuncture and other alternative therapies
- Weight loss programs and weight loss surgery
- Cosmetic surgery: Most insurers will cover plastic surgery only if its medically necessary.
- Infertility treatment: However, diagnosing infertility is covered.
- Sterilization reversal
- Travel vaccines: Most providers believe travel vaccines as elective rather than essential.
- LASIK: As this is viewed as not medically necessary, most plans dont cover it.
Welcome To Our Virtual Classroom
We’ll explore Health Insurance 101, give you some straight talk about costs, and hopefully, bring you a little clarity on how health insurance works.
The information shown here is for educational purposes. All health plans are not the same! It’s important that you read the details of your own health plan or any plan you are thinking about buying.
When Can I Buy An Individual And Family Plan
Everyone under the age of 65 has the opportunity to purchase health insurance during the Open Enrollment Period.
Open Enrollment is from every year for coverage starting on January 1.
You can purchase a plan outside of Open Enrollment if you have a qualifying life event. There are many things that can be considered a qualifying life event, like:
- Loss of health coverage
- Turning 65 and needing to purchase a Medicare plan
- Changes to your household
- Changes to your physical location
- Becoming a U.S. Citizen
- Changes to your income that may affect a subsidy you qualify for
What Kind Of Health Insurance Is Right For Me
Whether you are a healthy individual, family, or run a business, its still important to have insurance. You never know when you may need it, thats just the nature of life – and why insurance was first conceived. What kind of health insurance is right for you depends on your specific situation. For uninsured individuals and families with chronic conditions, three companies are offering plans through the ACA health exchange marketplace in 2020 are:
- Blue Cross Blue Shield of North Carolina
You will end up paying more monthly with one of their policies, but at least all your conditions will be covered. If the out of pocket costs of those policies you see online are too expensive for your budget or you are outside the open enrollment period like we are most of the year, look into ways to help with the cost such as the government subsidies available and/or Medicaid programs.
If on the other hand, you are an individual or family with a clean bill of health and only want to be covered in case of accidents and illnesses, or just need temporary health insurance between jobs, or coverage until the next open enrollment period, consider purchasing a North Carolina short term medical insurance plan. You can get a free online health insurance quote to compare different plans before committing to buy and you can also cancel them anytime after purchase.
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