About Health Insurance in North Carolina
East Coast Health Insurance gives you access to the following leaders in North Carolina healthcare: Aetna, Humana, and UnitedHealth One. We only select the most dependable and established health care companies, so you can receive the best care possible in the state of North Carolina.
- Total Population: 9,229,900
- Total Uninsured Population: 1,620,300 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,633
- Average Cost of Individual Premiums: $207
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in North Carolina
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for any other questions or help you can speak with one of our licensed North Carolina experts at 888-803-5917.
North Carolina Health Insurance Market & Laws
North Carolina’s health insurance laws include several policies that work in favor of the patient and also the insurance companies. Guaranteed renewability works in the favor of the policy-holder, who can renew their same policy with the same insurer after their plan has ended. They also cannot have their benefits terminated if they become ill during the time they are insured, as a result of this provision.
Pre-existing conditions in North Carolina are considered any diagnosis or condition for which you received medical care before enrolling in health insurance. The insurer also has the option of applying an exclusion period, where they do not cover the medical expenses associated with the condition, for up to 12 months.
If you change health insurance carriers, you are allowed to use your previous coverage as a credit to pay for medical expenses for the pre-existing condition during the exclusion period. This is applicable as long as you have not had any breaks in coverage, violations of your policy, and have paid your premiums.
Insurance companies in North Carolina are legally allowed to decline any applicant a health insurance policy. This is with the exception of Blue Cross Blue Shield, who is required by law to accept your application. They may not raise your premium costs based on how healthy you are, though they can be increased due to age. There are limits on how much they are permitted to charge, so it still remains within reason of affordability.
In the state of North Carolina, all health insurance policies are required by law to cover the following services:
- Maternity care during pregnancy
- Health exams for newborn children
- Treatment for medical clinical trials
- Contraceptives (if the policy covers prescriptions)
- Breast, cervical, prostate and colorectal cancer screenings
For further information on health insurance laws in North Carolina, visit the North Carolina Department of Insurance site.
1. Kaiser Family Foundation, “North Carolina – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “North Carolina Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-North-Carolina.html