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North Carolina Health Insurance
Healthcare insurance coverage continues to become more expensive and more important for not only the well being of a family, but for the family's financial well being. If you live in North Carolina and are not part of a group plan, you know how dear individual healthcare policy premiums are and how it can be difficult to get an individual healthcare policy. If you are considering purchasing an individual health insurance policy, it is important to know what individual policies must offer in North Carolina and if you can get assistance from the state in securing coverage.
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Finding Affordable N.C. Health Insurance
North Carolina's Individual Insurance Policy Regulations
- Blue Cross and Blue Shield cannot reject applications for individual coverage. All other companies have the right to reject applications.
- Disabled children may be able to continue to receive coverage under their parents' policy after the children reach the age of majority if the children are unable to support themselves.
- Individual policies are required to cover some services including pap smears, mammograms, and diabetes treatment.
- Pre-existing conditions, or conditions that occurred within twelve months of receiving coverage, can be excluded twelve months and, in some cases, can be excluded permanently.
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Alternative State Health Insurance Programs
- North Carolina Health Choice for Children is available to children from families with qualified income levels. Coverage includes checkups, hospitalization, and dental care. Parents may have to pay an enrollment fee and copays.
- North Carolina Health Check is available for children who come from qualified, low income families. There are no premiums or copays in this program.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
