Thanks to the passage of the Affordable Care Act applying for health insurance no longer involves medical underwriting (an evaluation of your medical records). The premiums you are shown are exactly what you will pay with one exception. Tobacco users pay more for their policies.
Since not all doctors and hospitals are in-network with all plans, it is important to give your insurance agent the names of your doctors and preferred hospitals. This allows your agent to research which company will be accepted by your healthcare providers and keep the overall amount spent on healthcare as low as possible.
Your rates are determined by your age and zip code as well as your choices with regard to the insurance company, deductible, type of policy, maximum out of pocket and coinsurance Another factor is whether or not you qualify for a government subsidy. These subsidies are determined by your estimated Modified Adjusted Gross income and make health insurance much more affordable for the policy holder. One can apply for an ACA (Affordable Care Act) policy or change policies during Open Enrollment, which is November 1st though January 15th. You can also apply for ACA policy or change plans if you have a Special Election Period (SEP). Examples of SEPs are losing your current plan due to a job loss or moving outside your current plan’s coverage area.
Health Insurance Solutions of NC is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield on North Carolina (Blue Cross NC). The content contained in this site is maintained by Health Insurance Solutions of NC. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
Contact Wanda Stephens at 919-845-6001 or by clicking here for additional details. By clicking on the buttons to the right of the insurance company you can get quotes for plans in your area. You can also get these quotes from the HealthSherpa software button below.
