North%carolina Health Insurance
As a resident of North%carolina, you have plenty of North%carolina health insurance options to choose from. There are multiple insurance companies in North%carolina that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in North%carolina. See some of the state's top health insurance companies and read about the important North%carolina health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public North%carolina health insurance programs.
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Resources on this page
North Carolina Health Insurance Laws and Regulations
Public Health Insurance Programs for North Carolina Residents
North Carolina Health Insurance High Risk Pools
North Carolina Health Insurance Companies
Contact Info for the North Carolina Department of Insurance and Department of Health Services
North Carolina Health Insurance Laws and Regulations
North Carolina health insurance law requires all health plans to cover certain medical care services. They include:
- Care for some medical clinical trials
- Screening for breast, colorectal, cervical, prostate, and ovarian cancer
- Care for pregnant women
- Newborn baby health screening
- Contraceptives if a health plan covers prescription drugs
North Carolina health insurance companies must also follow mental health parity, where mental health conditions are covered equally to physical health conditions.
Most North Carolina health insurance companies may accept applications and set premiums based on health status, but Blue Cross and Blue Shield is required by state law to accept all applicants.
Some individuals with pre-existing health conditions who recently left a group health plan with an employer may be HIPAA-eligible. Under this federal law, North Carolina health insurance companies are not allowed to impose restrictions on coverage or deny applications.
North Carolina Public Health Insurance Programs
These public North Carolina health insurance programs are available for low-income residents who cannot obtain coverage on their own:
- Medicaid
North Carolina Medicaid is designed for some low-income and disabled residents. To learn more about the state's Medicaid program, visit them online. - North Carolina Health Choice for Children
This program is designed for children who do not qualify for Medicaid, but their families cannot afford health insurance. Learn more about this North Carolina health insurance program for children online. - North Carolina Medicare
Seniors can find North Carolina health insurance through Medicare Advantage, Supplement and Original Medicare. - North Carolina Breast and Cervical Cancer Control Program
Low-earning women living in North Carolina can receive free screening for breast and cervical cancer under this program. To find more information about this North Carolina health insurance for women, contact Chronic Disease and Injury Section of the North Carolina Department of Health and Human Services.
Early retirees and trade workers in North Carolina might also be eligible for the Federal Health Coverage Tax Credit. To learn more visit the program's website.
North Carolina Health Insurance High Risk Pool
Residents in North Carolina with pre-existing conditions will be able to get health insurance from a high risk pool established by the Patient Protection and Affordable Care Act.
The Inclusive Health - Federal Option in North Carolina will work similar to regular North Carolina health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.
Enrollees in the North Carolina program will pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for North Carolina residents will range from $183 to $729 per month. The deductible will range from $1,000 to $4,500 and will allow individuals to invest in a Health Savings Account with the highest deductible. There is also an out-of-pocket limit set at $5,950 a year for in-network services.
People in North Carolina with medical conditions will have coverage for doctor and hospital visits, prescription drugs, emergency services and more.
Individuals may apply for the North Carolina PCIP program if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the North Carolina health insurance high risk pools visit http://www.inclusivehealth.org/.
The following list of companies offer health insurance plans in North%carolina:
North Carolina Department of Insurance and Department of Health and Human Services
Find the contact information for the North Carolina health insurance and health and human services departments at:
North Carolina Department of Insurance
Dobbs Building
430 N. Salisbury St.
Raleigh, NC 27603-5926
Phone: (800) 546-5664
http://www.ncdoi.com/
North Carolina Department of Health and Human Services
101 Blair Drive
Raleigh, NC 27699
Phone: (919) 733-4534
http://www.dhhs.state.nc.us
