Cheap North Carolina Health Insurance Quotes and Free North Carolina Health Insurance Quotes
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There are two types of North Carolina health insurance plans: Fee-for-Service plans and Managed-Care plans. Fee-for-Service plans enable the ensured to receive treatment, after which the North Carolina health insurance company pays all or a portion of the total medical bills. Any doctor or North Carolina health care provider may be used. Managed-care plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS), provide more comprehensive services and medical treatments, and enable members to use their services for a periodic, fixed fee. However, this type of North Carolina health insurance coverage requires the use of pre-selected, contracted health care providers who charge discounted North Carolina health care rates. Using a provider outside the contracted network of North Carolina health care providers may cause a denial of North Carolina medical insurance coverage.
The following information details north carolina health insurance and assistance programs available to uninsured people in North Carolina.
North Carolina Insurance Department http://www.ncdoi.com/ (800) 546-5664 In North Carolina, Blue Cross Blue Shield has been identified as the north carolina health insurance insurer that must provide north carolina health insurance coverage to all residents who apply, regardless of any health conditions that they may have. This is called guaranteed issue. Residents can purchase an individual north carolina health insurance policy from Blue Cross Blue Shield, but you may be required to pay a higher north carolina health insurance premium because of your health condition.
North Carolina Medicaid http://www.dhhs.state.nc.us/dma/covgroups.htm (800) 662-7030 Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify.
NC Health Choice for Children http://www.dhhs.state.nc.us/dma/cpcont.htm (800) 662-7030 NC Health Choice for Children is the health insurance program designed to provide north carolina health insurance to children and teens under age 19 whose families may have too great an income to qualify for Medicaid, but who may not be able to afford north carolina health insurance.
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