Finding the Right North Carolina Health Plan

In todays world, there has become an even greater need to obtain health insurance at affordable rates. North Carolina is a state that offers several different NC health plans to fit a variety of medical needs. But the hardest part is just around the corner, because it is up to you to choose which North Carolina health insurance plan that is right for you.

North Carolina has several different health plans that can fit a variety of needs and some of these types of NC health plans include:

ý NC State Health plan which cover state employees, some teachers, and retirees.

ý NC Health Choice Insurance plan that covers children who are living below poverty guidelines.

ý Group Health Insurance plans that covers businesses up to 50 employees.

ý Individual Cobra and HIPPA Health plans for individuals who need an extra boost of health insurance during those times of unexpected life changes.

ý Governmentally funded health plans such as Medicaid and Medicare for the disabled, elderly, and poverty ridden citizens.

North Carolina is a state that fully upholds medical insurance underwriting without any restrictions, thereby, obtaining an affordable health plan may be even more difficult.

Medical underwriting allows health insurance companies to ask several different health related questions and then determine if you have a pre-existing condition or other existing type health problems. This process helps insurance companies to save money by prohibiting people from obtaining insurance only when they find that it is medically necessary.

North Carolina places no restrictions on this process and has a 12 month exclusionary period before health costs for a pre-existing condition will be covered under a traditional health insurance plan. Health insurance companies are also allowed to deny you medical coverage due to your pre-existing condition, as well.

So what do you do for medical insurance if you have a pre-existing condition? Are you just left out in the dust with nowhere to turn to get help to pay for your medical costs? Well there is a light at the end of the path. North Carolina offers a health plan under their North Carolina Health Insurance Risk Pool (NCHIRP) program that will allow you to obtain health insurance coverage at an affordable price. The NC Medical Insurance is known as Inclusive Health.

Inclusive Health offers individuals a way to obtain health insurance for their pre-existing conditions when they have been turned down by other traditional type insurance companies. It covers most medical costs that a traditional plan covers and does include a deductible and co-insurance out of pocket costs. Contact the NCHIRP office for a list of eligibility requirements.

Obtaining a health insurance plan has become a necessary thing for us to keep cost low. Health costs are on the rise, so start today by comparing quotes and decide which North Carolina health insurance plan is right for you and your family.