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Affordable Health Insurance In North Carolina



If you live in North Carolina and are in need of healthcare coverage, you may have somewhat of a challenge ahead of you.  Finding quality North Carolina health insurance in 2020, is not as simple as it may seem.  The problem is, it can be quite difficult finding a knowledgeable insurance professional that is willing to take the time to sort through the myriad of health plan choice that are available to you.  And going it alone, in an increasingly confusing health plan marketplace, is a prescription for a potential disaster

The good news is, we are health plan experts with a wealth of experience.  We are just a phone call away and are here to help.

There are a number of factors that you will want to consider when attempting to purchase that ideal health care plan for you or your family.  ┬áThe first item on your list should be which type of health plan should you consider - HMO, PPO, POS, EPO, etc.?  Are you looking for an Affordable Care Act plan, or are you looking for a wider range of options?

Good to know:  Take advantage of free screenings.  Every community has health fairs that offer free screenings for diabetes, HIV, high blood pressure and other maladies.  By law, ACA-compliant insurance plans offer a number of screenings with no copays.  These screenings can save you hundreds of dollars.


Short Term Health Insurance

You may want to add short-term insurance to your list of options.  Short-term insurance is not so short anymore.  Thanks to new government guidelines, there are now short-term insurance policies in parts of the country that you can keep up to a year or more.  In addition, the benefits of many of these short term policies have been significantly improved.  While short term health insurance plans do not offer the comprehensive level of insurance coverage of an Affordable Care Act Health Insurance plan, the features and benefits are now more comparable.  And short term health insurance plan pricing tends to be more affordable.  In many cases, a short term health plan can be the ideal health insurance fit.  Get an instant short term health insurance plan rate quote

Healthcare Sharing Plans

There are also healthcare sharing plans. ┬áConsumers are choosing healthcare sharing plans, (also known as faith based health plans), over traditional insurance in ever increasing numbers.  A Healthcare sharing plan is not an insurance plan - at least not in the legal sense of the word.  These plans are designed to meet the same needs as traditional health insurance.  The difference is, these plans are not governed by the ACA (Affordable Care Act) rules and regulations.  The result is an umbrella of health plan options that can offer a benefit structure that is different than what is available via an Affordable Care Act plan.  These plans are noted by their flexibility and affordability.  Get an instant Healthcare sharing plan rate quote

All of the above options are available in North Carolina.  You need only to choose which health plan option will best suit your needs.  Because health insurance is such an important necessity, you should seek the assistance of a licensed insurance professional.

Good to know:  Keep an eye out for health plan discounts for using fitness technology like Fitness Trackers.  As technology makes data about the state of our health easily available, many insurers are starting to look at using tools like fitness trackers to minimize risk.  Some insurance providers currently offer discounts or incentive plans that will save you money, or provide financial rewards.
Ask a broker about plans that give discounts using new fitness technologies, or plans with health incentives.  One example is "UnitedHealthcare Motion" which offers financial reimbursement incentives of up $1,500 per year.  These types of plans provide good opportunities for savings.  Also, make sure to inquire about the possibilities every year, since these types of programs will become more common over time.


Healthcare.gov

One of the simplest means of acquiring a health plan, is to purchase a plan on Healthcare.gov.  To purchase a plan via Healthcare.gov, you will need to apply during the open enrollment period.  This period is normally about a month and a half long, and occurs during the fall of every year.  This is the only time you may enroll unless you qualify for enrollment due to special circumstances.  If you fall within a certain specific income bracket, you may qualify for subsides, which are income-based discounts on the monthly premiums.

There are several health plan options that are available to you, that are not part of the Affordable Care Act portfolio.  They include short-term health plans, (which are not so short anymore) and healthcare sharing plans, (Sometimes referred to as faith-based health plans).

After deciding on where you plan to purchase your health insurance, the next step is to decide which type of plan is best for you. These plan types include: Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Exclusive Provider Organization, or a Point of Service Plan (POS), and more.  The structures of the various plans can be quite different.  Be sure to seek assistance from a licensed health insurance agent.  The impact of purchasing the wrong plan can be emotionally and financially significant.

Good to know:  Ask questions.  If you don't understand the details of the plan offered, contact the insurance company or give us a call.  While there are a variety of online tools and resources that can help, the best thing to do is simply pick up the phone and talk to an insurance professional.  You need to clearly understand what you're buying.



Novant Health Presbyterian Medical Center
Novant Health Presbyterian Medical Center
200 Hawthorne Ln
Charlotte, NC 28204
Phone: (704) 384-4000
Plus Code: 656G+V6 Charlotte, 1, Charlotte, NC
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Once you have selected a plan type you desire, you should look at the size of the health care network and estimated out-of-pocket costs.  An insurance plan summary will lay out how much you may likely pay out of pocket, for deductibles, copayments, and co-insurance, should you encounter a medical circumstance.  Generally, the lower the premium the higher your out-of-pocket-costs.

The final step is to compare plan benefits with your family's specific medical needs.  This consists of making sure that the plan provides for any needed medications, coverage during travel, and any reoccurring care required.

Other articles:
Explaining The Growth of Healthcare Sharing Healthplans
Finding Short-Term Health Insurance.
Resources