Affordable Health Insurance in North Carolina
While there are a number of government sponsored programs that provide Medicaid to certain low income or indigent individuals and families in North Carolina, many people fall through the cracks and are left with no coverage whatsoever. Some employers don’t offer health insurance benefits and even those that do may have coverage that is just not affordable to the average hourly wage employee or blue collar worker. As a result, many consumers are looking to find affordable health insurance in North Carolina.
Government Sponsored Health Insurance
Unless you fall into one of the very specific predefined categories, you and/or your family would not qualify for Medicaid and would be forced to look elsewhere for affordable insurance. Under the Medicaid program in North Carolina, as well as elsewhere across the nation, you must meet one or more of the following criteria:
- Blind and Disabled
- Infants, Children and Families
- Long Term Care
The state also has a Medicare program that is part of Social Security, but that is limited to senior citizens over the age of 65. The state does have a program for children whose families have an income too high to qualify for Medicaid but too low to carry private health insurance. This program is called North Carolina Health Choice (NCHC) and the child must be a legal resident of the United States with a family income below 200% of the federal poverty level. Unfortunately, this too leaves out a significant number of people who make more than that percentage, but not enough to cover the rising cost of health care.
Finding Affordable Health Insurance
One of the quickest ways to find affordable health insurance in North Carolina is to do an online search. Often you will find sites that let you enter pertinent information regarding the number of people you are looking to find health insurance coverage for, whether or not there are any preexisting illnesses or conditions and certain other lifestyle choices such as whether or not anyone in the family smokes or has drug/alcohol addiction. Most health insurance will have a preexisting clause that states those conditions will not be covered for a specified period of time and the usual length of time is 2 years. Once you have entered all your information into the form fields online, several different quotes should come up for you to compare side by side.
Certain factors will affect the cost of health insurance, some of the most common being:
- Current state of health
- Lifestyle choices
- Amount of deductible chosen
- Optional coverage (endorsements) above basic policy
- Number of people being insured in the family
- Preexisting Conditions
Those are just some of the most significant factors that can cause a health insurance policy to cost more but there are other things that could affect premiums as well. Most often a barebones major medical health insurance policy will be the least expensive, but unfortunately, that type of insurance plan only pays for medical emergencies and in-hospital stays and surgeries for the most part.
It is possible to find affordable health insurance in North Carolina by simply comparing quotes from at least three or four insurance companies. Some of the smaller companies may have rates that are more competitive than the bigger, more well known insurance companies, so don’t forget to check their rates as well! Remember, the higher your deductible, the lower your premiums will be. Also, some coverages may not be absolutely necessary so sticking to a policy with only the features you need can trim the cost considerably. Once you have several quotes lined up it is easier to find health insurance at a cost that is within your budget.