NORTH CAROLINA HEALTH INSURANCE
North Carolina started offering health care insurance coverage to residents through the federally established temporary high-risk pool program.The Foundation for Health Coverage Education’s mission is to provide simplified public and private health insurance eligibility information in order to help more people access coverage.
Nearly 20,100 health care professionals and more than 130 hospitals in-network.
Preventive care and wellness support programs.
Emergency care, hospital care and surgery coverage.
Friendly 24/7 customer support.
Dedicated nurse line ready to help you get answers to your health questions any time-day and night.
Dental coverage, not just discounts, that you can choose to purchase in addition to your Cigna medical insurance plan.
NORTH CAROLINA MEDICAL INSURANCE STATISTICS
Consider the following statistics about health care coverage in North Carolina:
Total North Carolina Residents – 9,144,789
North Carolina uninsured residents – 16.03%
Total North Carolina HMO enrollment – 476,899
Avg annual employee premium in NC employer-sponsored plan (after employer contrib): $827
Avg NC hospital cost per inpatient day (before insurance) – $1,433
Source data according to the Kaiser Family Foundation.
NORTH CAROLINA HEALTH PLANS
Health Insurance works with North Carolina insurance providers that offer health insurance for individuals and families. Compare North Carolina individual and family health plans from various providers and select the plan best suited for your health care needs.
AN INDIVIDUAL AND FAMILY HEALTH PLAN IN NORTH CAROLINA
A new North Carolina private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
AFFORDABLE NC INDIVIDUAL & FAMILY MEDICAL INSURANCE
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you. Depending on the health insurance company, North Carolina individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
COVERAGE OPTIONS FOR NORTH CAROLINA STUDENTS:
Stay on Parent’s Plan - if you are a fulltime student, you may be eligible to remain on your parent’s plan. It is easier since your parents will be handling the bills, but if you go to school out-of-state, your coverage levels may not be as robust as they would be in your home state. Also, your parent’s health insurance could be more expensive than other coverage options.
School Sponsored Plan - Some colleges offer their own health plan. Some common concerns with these plans is that they may not cover services off-campus or you can lose eligibility if you are a part-time student. Check to see if your school offers a health plan for its students.
Student Health Plan - These plans are for full-time students typically between 17-29 years old. The major advantage with this plan is that the coverage will travel with you wherever you go in the US. However, it may require you to pay your premium in a single lump-sum amount and it is not available in every state.
Individual and Family Plans - You can also purchase an individual and family health plan. Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families and offers a range of coverage benefits depending on the actual plan you select.