North Carolina Health Insurance
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Our independent agency offers health insurance in North Carolina direct to you. Individual, family, student, short and long term medical coverage can be quoted online and purchased quickly via enrollment software.
There are no fees or additional commissions to use our services. Health insurance prices are controlled by law, so you will not find better rates anywhere else – online or in person. We are your one-stop shop for insurance.
Click on the insurance company logos/links below to view quotes today.
United Healthcare – Golden Rule Quotes
- Very Affordable Monthly Rates
- Short Term Plans (1-12 months)
- Health Savings Accounts
- Popular Dental & Vision
- Large Nationwide Network
Aetna Health Insurance Quotes
- Preventive Care Options
- Health Savings Accounts
- Nationwide Networks
- Add-On Dental Coverage
- Low Doctor’s Office Copays
Assurant Health Insurance Plans
- Mini-Med Child Only Plans
- Several Networks To Choose From
- Dental Insurance Options
- Health Savings Accounts
- Nationwide Health Insurance
Family Health Insurance In North Carolina
If you are in need of family health insurance coverage, then you are in the right place.
Using our years of expertise, we can help you compare and enroll in the plan that best meets your needs and budget.
Purchasing health insurance on your own can be an intimidating process. Using an experienced agency like ours can help to eliminate the guesswork. There are several different types of coverages to choose from and we can help you quickly narrow down your options.
Whether you are thinking of starting a family and need maternity coverage or if you are looking for suitable coverage for young children, we can help. All major medical plans must now cover preventive care without the insured first reaching the deductible. This is helpful for those concerned about health plans that cover regular visits to the OBGYN, well child exams and child vaccinations.
Individual Health Insurance Quotes And Coverage
We use a wide array of companies to help our clients find the individual health insurance coverage in North Carolina that best fits their situation. In today’s ever-changing insurance market, it is important to work with an agent in order to find your most affordable options.
There are some companies that provide discounts for those who have previously had credible coverage within the past 63 days. In other cases, some health carriers will not automatically rate you up if you are a tobacco user.
Still others specialize in high deductible, affordable plans that can be purchased for well under $100 a month. These types of plans might be ideal for students who need coverage before enrolling at a particular school as well as those in great health who only want to purchase catastrophic insurance.
Short Term Health Insurance Coverage
We can also provide assistance if you are in need of short term health insurance coverage to help bridge the gap between permanent policies. Short term coverage is more appropriate for those who know that they will have permanent or group coverage in the near future.
Most short term health plans will have a maximum term of six months. These policies can be renewed, but medical underwriting will be required after the first term has expired - which means that you can be declined if your overall health has changed.
Thus, it’s sometimes wise to purchase a permanent policy and pay month-to-month if you need coverage for longer than six months. Short term insurance is a better fit for those who need to cover a known short duration of time before new coverage begins.
Health Savings Accounts And HSA Qualified Plans
Health savings accounts are a great way for individuals and families to save money on their monthly premiums while also using the tax advantages offered by these qualified health plans.
Typically, HSA plans are less expensive than traditional coverage and they also offering a savings account that can be used on a tax advantaged basis to cover the majority of incidental health expenses.
In a nutshell, HSA qualified plans allow you to setup an investment account (typically a bank savings account) with your own money – separate from the premiums payed to your insurance company. You pay your premiums to the insurer and fund the HSA from other discretionary funds.
The monies you contribute to your HSA can be written off against your income taxes each year, will grow on a tax-deferred basis, and can be withdrawn on a tax-free basis for qualified medical expenses. Meeting the deductible, paying for a prescription or doctors visit, and several other assorted medical costs are all considered qualified medical expenses.
There are certain annual contribution limits to a HSA, but they will always remain for your use even if you don’t withdraw all of the funds each year. This is also true if you later enroll in new health insurance plan that is not HSA qualified. All unused funds always belong to the account owner – never the insurance company.
(Learn more about health savings accounts)
Contact Us For Quotes And Assistance
The nice thing about working with an independent insurance agency such as ours is that there are no additional fees to do so. We can help you compare and contrast medical insurance plans in North Carolina while also narrowing down your options.
Please contact us today to request quotes and assistance.
