How to Choose Medical Insurance in North Carolina

It is important that individuals obtain some form of medical insurance so that they can receive medical care when necessary. Although some individuals choose to go without healthcare coverage, the long-term financial and physical implications can be detrimental. According to the North Carolina Department of Health and Human Services (NCDHHS) website, individuals in the state of North Carolina can obtain public health insurance or private health insurance depending on their personal preferences and financial situations.

Things You'll Need

• Internet connection
• Information about health insurance plans and coverage
• Insurance contact information
• List of coverage needed
• Price range for insurance payments

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Instructions

• 1

  Log on to the Internet and use a reputable search engine in order to research the medical insurance that is available in the state of North Carolina. According to the NCDHHS website, families that make a yearly income of $44,100 or less are eligible to receive discounted public health insurance. The goal of the state is to make sure that as many citizens are covered by medical insurance as possible.

• 2

  Locate various insurance companies. Individuals can choose to purchase private insurance independently or through their employer. The Health Insurance In-Depth website has a search engine that assists in determining what type of medical insurance is necessary.

• 3

  Determine what specifications are needed, including medical insurance, emergency medical care, eye insurance, dental insurance, and prescription drug assistance. Compare various insurance companies and find a policy that meets all of the specific needs while staying in a price range that is affordable for the individual.

• 4

  Contact individual insurance companies in order to discuss co-pays, deductibles, and other important policy information in more detail. Request that packets of information be sent in the mail so that multiple companies and policies can be compared thoroughly before a final decision is made.

• 5

  Become familiar with medical insurance laws in the state of North Carolina. The Health Insurance In-Depth website explains that the state has specific medical insurance policy provisions and regulations that are designed to protect the public. Research the guaranteed renewability provision, the handling of pre-existing conditions, and how to add new dependents on to an insurance policy.

• 6

  Analyze all of the available information and make sure that all of the individual questions have been answered before making a final decision and choosing a specific medical insurance company and policy.