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Health Insurance Policy Choices - General Health Insurance Guide Charlotte NC

Can I afford health insurance? The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested.

Blue Cross/Blue Shield of N.C.
(704) 561-2700
P.O. Box 35209
Charlotte, NC
 
Humana MarketPoint
(704) 643-1009
6100 Fairview Road
Charlotte, NC
 
WellPath
(704) 357-1421
2815 Coliseum Centre Dr., Suite 550
Charlotte, NC
 
Liberty Mutual
(704) 596-4045 Ext:224
10420 Harris Oak Blvd, SteC
Charlotte, NC
 
Jordan Insurance Agency (The)
(704) 926-7565
15720 John J Delaney Drive #300
Charlotte, NC
Prices and/or Promotions
Agency

Lash Group Healthcare Consultants
(704) 357-8869
3735 Glen Lake Drive
Charlotte, NC
 
Health Markets Insurance Companies
(704) 564-1106
5000 Nations Crossing Rd
Charlotte, NC
 
HealthMarkets
(704) 685-5576
8520 Cliff Cameron Drive
Charlotte, NC
 
Jordan Insurance Agency (The)
(704) 926-7565
15720 John J Delaney Drive #300
Charlotte, NC
 
Allstate Insurance/ Joe West
(704) 865-5541
809 Laurel Lane
Gastonia, NC
 

Health Insurance Policy Choices - General Health Insurance Guide

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Health Insurance Policy Choices

This is a big question. If you are shopping for health insurance on your own you will have a wide range of factors to consider. Even if your employer provides you with health insurance, you may have multiple plans to choose from. How do you decide what's right for you?

The most important thing, before deciding on health insurance, is to ask yourself the right questions:

Can I afford health insurance?
The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested, perhaps you can tailor the plan to fit you. Are there options to insure only large health expenses? If your family is in good health, you could gamble that you will only need coverage for large health expenses, such as 'emergency' situations, and tailor your coverage that way.

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State policies on insurance vary widely. Some states require that insurance companies cover everyone, regardless. This means that the risk is spread over everyone, and your premiums will be the same as everyone else's even if you are young and healthy. In this case, your options for a lower price policy will be limited.

You might have to look for a job which has health insurance as a benefit in this case, if you can't afford premiums.

What am I expected to pay?
It's not just about the premiums you pay for health insurance. It's also about the costs that you incur when you use health services. What is the deductible? What percentage of the health expense (minus deductible) will I be reimbursed? These are also important considerations, especially if you or your family members are frequent users of health care services.

Does this medial insurance plan cover the services I (or my family) use?
If you have seen a Chiropractor for years you will likely want this to be a covered therapy. Not all health insurance plans cover alternative health practitioners - check the fine print.

Not all health insurance plans cover preventative medicine. If you'd rather take action before you get sick check your coverage.

Also, be sure that the medial insurance will cover you for your pre-existing health conditions. If it doesn't, or it has a waiting period, be sure you understand how that will impact you and your family.

Health insurance plans may also restrict your ability to change doctors, see doctors outside of the plan or get access to specialists. Read the fine print.

If you are interested in starting a family it's critical to understand whether the health insurance covers the costs of prenatal care and delivering the c...

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North Carolina State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, birthing center/midwife, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, cleft lip and palate, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, foster children, disabled dependent adults), diabetes (self-management and supplies), emergency room service, facility (public and other), family therapist, lymph edema, mammography, marriage therapist, mastectomy (including minimum stay), maternity (including minimum stay), mental health, newborn hearing screening, nurse (including midwife, anesthetist, practitioner, psychiatric), off-label drug use, optometrist, ovarian cancer screening, pastoral counselor, pharmacist, physician assistant, podiatrist, professional counselor, prostate cancer screening, psychologist, social worker, TMJ disorder, well child care

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