Affordable health insurance in NC?

Question

Hello everyone. I have been a few months without health insurance and I know I need it. I am looking for some affordable insurance, health, dental, and possibly maternity? I am not pregnant but I want to take some preventative measures just in cause, I know it can be expensive. I keep looking but $700 and such a month is really not in my budget right now. So does anyone know of some cheap insurance? I'm in NC. Thanks everyone!

Answer 1

Depending on what sort of coverage you want insurance doesn't have to be to expensive.  Take a look at this site as it gives you quotes from top names and the different types of plans/coverage that they offer.

http://www.ez-insurancefinder.com

Answer 2

Contact an insurance broker. A broker works with several companies, and can find the best policy and terms for you. To find a broker in NC, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote.

Answer 3

Cheap insurance is also cheap when it comes to coverage. Most complaints about health insurance comes from people who only shop price without finding out what is and is not covered.

Visit a local independent agent that works with all the major companies in your area. The agent can find the best policy for your situation and budget and they can explain the coverage. There is no difference in plans or premiums if you use an agent.

I generally don't recommend maternity with an individual policy. It is more of a pre-payment plan because the insurance company is not going to take in less premium for maternity than they expect to pay out. If you do the math you'll find that the extra premium times the waiting period just about equals paying cash for your maternity care. You are usually better off saving the money for the delivery, which would make an HSA qualified plan with a health savings account ideal. Almost all plans cover complications of pregnancy even if you don't have maternity.

You have five options with dental.

1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance.

2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you.

3. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.

4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.

5. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.

I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.

Answer 4

Go to http://www.insureco.org/ and look at the plans available to you.  If nothing else, you can take a plan that is cheap just to have something, and you can always change it later.

Answer 5

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