North Carolina Health Insurance

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Health Insurance for the Well Informed

If you are an individual looking for health insurance in North Carolina, or sourcing other options, as insurance costs continue to rise, Health Plan One can help. Get started by inserting your zip code above to receive your free online health insurance quote.

Increasing Insurance Costs:

With the increasing cost of providing health insurance for you and your family, the prospect of finding affordable health insurance is both daunting and confusing. Health insurance premiums have risen 85.7% in North Carolina in the past 6 years, according to Families USA. In fact, about 1,272,850 NC adults do not have insurance at all, according to Kaiser Family State Facts.

But family health insurance is essential and luckily, there is no need to feel you are alone when selecting a plan. If you reside in North Carolina and need to find a better family health insurance plan or obtain health insurance, Health Plan One can help you review all possible insurance solutions. Fill in your zip code above to get an instant online insurance quote for your family health insurance plan.

Insurance & Politics: What Your State Government Is Doing:

New Lower Cost Health Insurance Now Available to North Carolina Individuals and Families from Golden Rule

Individuals in North Carolina Without Health Insurance?

In North Carolina, medical underwriting is allowed without restriction. A preexisting condition is a medical condition for which medical advice or treatment was recommended or given prior to coverage under this plan. There is a 12 month look back and exclusionary period for preexisting conditions for those without prior health coverage.

Although there is no high risk pool in North Carolina, those exercising their HIPAA group to individual rights may obtain health coverage from any individual carrier in the state. For those that are not able to utilize HIPAA, Blue Cross Clue Shield of North Carolina will guarantee coverage regardless of your health status.

Other Options:

North Carolina offers the North Carolina Health Choice program to children whose family income is up to 200% of the Federal Poverty Level. Children must be under 18 years old, residents of North Carolina and U.S. citizens or legal residents, and uninsured including being eligible for Medicaid. Please visit the North Carolina Health Choice website for more detailed information at http://www.dhhs.state.nc.us/dma/cpcont.htm#faq.

There is also a program for low-income pregnant women. This program offers assistance to pregnant women in the form of receiving medical care, support services such as transportation, housing, job training, and day care, and childbirth and parenting classes, nutrition counseling, psychosocial counseling, and home visits for high-risk pregnancies. Please visit the North Carolina Baby Love program website for more detailed information at http://www.dhhs.state.nc.us/dma/babylove.html.

In North Carolina, medical underwriting is allowed with plus or minus 20% of the indexed rate based on the health status of the group. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions for those without prior healthcare.

North Carolina offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death or divorce.

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

Children (ages 1-5)-133% of the Federal Poverty Level
Children (Ages 6-19)-100% of the Federal Poverty Level

Pregnant Women and Infants

Pregnant Women-185% of the Federal Poverty Level

Infants (ages 0-1)-185% of the Federal Poverty Level

Non-Working Parents-42% of the Federal Poverty Level
Working Parents-57% of the Federal Poverty Level

Medically Needy Individuals- 34% of the Federal Poverty Level

Medically Needy Couples- 33% of the Federal Poverty Level

Supplemental Security Income Recipients- 74% of the Federal

Aged, blind, and disabled- 100% of the Federal Poverty

Covered Services
Inpatient hospital services, outpatient hospital services, prenatal care, vaccines for children, physician services, nursing facility services for persons aged 21 or older, family planning services and supplies, rural health clinic services, home health care, laboratory and x-ray services, pediatric and family nurse practitioner services, nurse-midwife services, federally qualified health-center, early and periodic screening, diagnostic, and treatment services for children under age 21.

North Carolina Health Insurance Quotes

North Carolina Health Insurance Companies

North Carolina Affordable Health Insurance

North Carolina Group Health Insurance High Risk Pool

North Carolina Group Health Insurance (Small Business: 1-50 employees)

North Carolina COBRA Individual Health Coverage

Medicaid in North Carolina

North Carolina Health Insurance Articles