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Health Insurance North Carolina - Options for Health Insurance in North Carolina

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As in most states, an individual’s ability to purchase health insurance depends on the health status of the individual. Companies can turn down those who do not meet their health criteria. A choice of policies is only offered after a series of health questions or a current examination. The only exception to this is in the case of those who are eligible under HIPAA. To be eligible for HIPAA, however, individuals must have had 18 continuous months of coverage that ended in a group health plan. All COBRA and state option must also have been exhausted.

In some cases, an insurance company may insure an individual with pre-existing conditions as long they sign an elimination rider. An elimination rider is a waiver that says the insured agrees that treatment for specified pre-existing conditions will not be covered.

The coverage under health insurance in North Carolina depends on the type of plan and the specifics of the chosen plan. In addition, the premiums charged will depend on the health of the insured. If the insurance company deems a person as a health risk, premiums will be high. A young, healthy person who follows a strict healthy lifestyle and lives in the best of conditions will have a relatively lower premium.

Several companies are licensed to offer health insurance in North Carolina. Some of the most popular and highest-rated insurers are as follows:

• BlueCross BlueShield of North Carolina – This is one of the top insurance providers in North Carolina. They have been operating for almost 80 years and offer a variety of insurance options at competitive prices.

• Coventry One – This company offers plans very similar to BlueCross BlueShield. They are worth checking out because they sometimes have better rates. They also have discounts for dependent children.

• UnitedHealthcare – UnitedHealthcare is a top provider in the U.S. Many companies choose them for their employee plans.

CIGNACIGNA health insurance in North Carolina benefits from a large network and experience in healthcare. The company’s roots date back to 1792.

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