Need North Carolina Health Insurance Quotes?

Purchasing health insurance in North Carolina is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of health insurance that you choose to purchase. Regulations regarding health insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of North Carolina health insurance.

As with other states, North Carolina residents find the best policies through group insurance policies sponsored by their employers. With costs increasing across the healthcare and insurance spectrums, employee costs for healthcare coverage are rising along with those who have private insurance policies.

If you received treatment for a health condition within six months of getting a new policy, your insurance company can consider your condition preexisting. Preexisting conditions are excluded for the first twelve months of your policy. This means that your company will not pay for any treatment or costs associated with this condition for 12 months.

Private insurance companies can decline to issue policies to consumers based on health status. If coverage is not denied, those with high-risk health conditions will receive higher insurance premiums than healthy people. Blue Shield is the only company that is required to offer health insurance to all people, regardless of health. North Carolina does not prohibit insurance companies from charging higher rates as you grow older or for having certain health conditions.

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