North Carolina Health Insurance
Affordable North Carolina Health Coverage Options
It is time to research affordable health insurance in North Carolina options for next year! If you and your family live in North Carolina, you face the uncertainties of an upcoming Presidential election and the challenges of the COVID-19 pandemic. Selecting the BEST insurance, at the lowest rates, is more critical now than ever.
TrueCoverage provides helpful resources and guidance for selecting affordable health insurance that meets your specific needs. Remember, the Open Enrollment Period starts November 1st and runs through December 15th
Select your North Carolina Health Insurance coverage soon, and you will save yourself last-minute headaches. The TrueCoverage team is here to help by providing pre-registration services. We will contact you with health coverage packages tailored to you, your family, and your business.
North Carolina uses a Federally facilitated health insurance exchange. This Exchange does NOT regulate short term health insurance plans. While short term plans have their usefulness, they are NOT bound by the Affordable Care Act mandates and are NOT eligible for premium tax relief.
North Carolina is one of the parties defending the Texas-led attempt to invalidate the ACA. The case is currently before the courts and any ruling probably will not affect your 2021 the health insurance plans.
Exploring Affordable Health Coverage in North Carolina
When looking for cheap health insurance in North Carolina, the first thing you should understand is that policies with the lowest monthly payments (your insurance Premium) might not be your best option.
The REAL price of health coverage depends on many variables. Deductibles and co-pays increase costs, while discounts like premium tax relief and a state insurance subsidy can LOWER your medical expenses. A premium might look high at first, but the total amount you spend on medical services could be much lower!
For those shopping for Medicare add-ons, North Carolina has many options. Around 18% of the North Carolina population is enrolled in Medicare, similar to the USA as a whole, about 35% of those are enrolled in Medicare Advantage plans. Medicare Advantage and Medicare supplemental plans could save you a LOT of money.
The Coronavirus Pandemic, COVID-19 Testing, and the FFCRA
COVID-19 is the hot topic health insurance issue in North Carolina. If you lose your health insurance due to COVID-19 or your employer closed because of the Coronavirus, testing is available atat no charge. The Families First Coronavirus Response Act (FFCRA) passed in March 2020, ensures that everyone can receive COVID-19 testing.
See our 5 top North Carolina health insurance companies at the bottom of this page.
Key Details about Health Insurance in North Carolina
- In 2019, North Carolina passed legislation that closely followed federal guidelines for association health plans (AHPs), impacting small businesses and sole proprietors. However, the State is awaiting a U.S. Court of Appeals ruling on certain provisions.
- North Carolina has provides limited protections for consumers from ‘surprise’ billing
- For more details, see our Blogs:
- When is a surprise not a surprise? When it’s a SHOCK!
- Joe Biden – building on Medicare
- For more details, see our Blogs:
Despite these advantages, North Carolina Health Insurance is more expensive than in most other states.
Exploring the Health Insurance Marketplace in OK
North Carolina residents can sign up for health insurance using private insurance exchanges. These marketplaces offer more ACA-compliant plans than the state.
With Health Insurance Exchanges, you gain access to ancillary insurance options like:
- Accidental Death,
- Critical Illness,
- Medicare Advantage, Medicare Supplemental,
- and more.
Benefits of Working with a Health Insurance Broker
TrueCoverage is a Certified Direct Enrollment Partner of Healthcare.gov, providing affordable North Carolina health insurance solutions. We offer more health insurance plans than any other resource in NC, and our unique technology quickly delivers the ‘BEST VALUE’ insurance policies that address your needs.
Like brokers in every state, TrueCoverage must operate without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. Brokers search for policies that best meet your needs. We also assist you throughout your contract. For example, if a dispute arose with your insurer, TrueCoverage steps in to help.
TrueCoverage is familiar with your state’s unique insurance rules, and we understand the North Carolina health insurance options from the largest carriers, to the smaller specialty health insurers.
The Top 5 Health Insurance Companies in North Carolina
Choosing from over 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have identified the top five health insurance companies in NC.
These ratings, from The National Committee for Quality Assurance (NCQA), are based on Consumer Satisfaction, Preventive Care, and Medical treatment.
More details about the top 5 Insurance companies in North Carolina
The NCQA rates these ACA-compliant health plans as the BEST in North Carolina:
- Blue Cross Blue Shield of North Carolina
- Aetna Life Insurance Company (North Carolina)
- Cigna Health and Life Insurance Company – North Carolina
- United HealthCare Services, Inc. (North Carolina)
- UnitedHealthcare Insurance Company (North Carolina)
All ACA-compliant and Medicare plans have a star rating based on similar criteria.
Click below to learn more:
NOW is the best time to select your ACA Affordable North Carolina health insurance, BEFORE Open Enrollment starts on November 1st, 2020.
Looking to find affordable health insurance?
Click on the button below to and connect with our agent to get insurance in 24 hours.
10 Core Health Services Mandated for all ACA Compliant Plans
Before the Affordable Care Act became Federal law, insurers could refuse to cover various health benefits, resulting in overwhelming debt to many people. The ACA fixed those loopholes and required all qualifying plans to carry these coverages (in North Carolina and all states):
- Emergency services
- Prescription drugs
- Ambulatory patient services (Hospital services that don’t require an overnight stay)
- Laboratory services
- Maternity and newborn care
- Pediatric services (for children), including dental and vision care
- Mental health and substance abuse services
- Preventive and wellness services, including chronic disease
- Rehabilitative/habilitative services and devices