North Carolina Health Insurance
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According to the Center for Disease Control, an average of 16.1% of North Carolina residents went uninsured for North Carolina health insurance each year between 2001 and 2003.
Free Health Insurance Quotes
To receive free quotes on North Carolina health insurance, enter your zip code.
North Carolina Health Insurance Regulations
Any individual offered health insurance through an employer cannot be denied or limited coverage under that plan. Most North Carolina health insurance companies in can turn down applicants for individual medical insurance based on health, age or other factors. All residents, however, are guaranteed access to health insurance through Blue Cross and Blue Shield. HIPAA eligible residents also have access to plans under most North Carolina health insurance companies.
Renewable
All North Carolina health insurance plans are guaranteed renewable which means that an individual is guaranteed the right to renew an existing plan as long as he or she has not provided any false information and has paid all premiums on time.
Pre-Existing Conditions
Individual North Carolina health insurance policies can carry elimination riders and pre-existing condition exclusion periods. Elimination riders can permanently exclude coverage for a medical condition or body part for the duration of the policy. If an individual was treated, diagnosed, or advised for a medical condition during the 12 months prior to the beginning of the health insurance policy, the North Carolina medical insurance company can exclude coverage for that condition for up to 12 months. Continuous coverage for medical insurance prior to the beginning of the new policy can credit towards the pre-existing condition exclusion period.
Insurers can also determine a condition is pre-existing if the individual files a claim for a condition and the insurance company decides the condition existed prior to application for the policy. The company can then decide not to cover the condition or treatment.
Pregnancy
Although pregnancy is considered a pre-existing condition, if the parent has dependent coverage under an individual North Carolina health insurance plan, a newborn or adopted child will be automatically protected for the first 30 after birth or adoption. Disabled children can remain under the policy even past the age at which children cease to be “dependents”.
Rates
North Carolina health insurance rates can vary based on age, health, family size and other factors. Rates can also change when policies are renewed. Temporary North Carolina health insurance can be purchased when an individual is between jobs or policies.
Alternative North Carolina Health Insurance Options
For individuals who cannot afford North Carolina Health Insurance or who need assistance, there are state programs that may help:
- North Carolina Medicaid is available to persons who meet eligibility and qualifying criteria.
- NC Health Choice for Children is North Carolina’s State Health Insurance Program that is designed to provide health insurance to children under 19 whose families do not qualify for Medicaid and who might not be able to afford North Carolina health insurance.
Information on North Carolina Health Insurance
North Carolina Department of Insurance
www.ncdoi.com
North Carolina Department of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
800-JIM LONG (800-546-5664) - in North Carolina Only
919-733-2032 - outside North Carolina
North Carolina Health Insurance Organizations
According to North Carolina Department of Insurance, the following is a list of North Carolina health insurance companies that sell individual health insurance in the state:
American National Insurance Company
One Moody Plaza, 8th Floor
Galveston, TX 77550
800-899-6502
American Republic Insurance Company
P.O. Box 1
Des Moines, IA 50310
(515) 245-2000
(800) 247-2190
Blue Cross Blue Shield of North Carolina
P.O. Box 2291
Durham, NC 27702
(800) 324-4973
Celtic Insurance Company
200 S. Wacker Drive
Chicago, IL 60606
(800) 284-0060
Continental General Insurance Company
P.O. Box 247007
Omaha, NE 68124-7007
(402) 397-3200
Humana Insurance Company
500 W. Main Street
Louisville, KY 40202
(800) 664-4140
John Alden Life Insurance Company
P.O. Box 3050
Milwaukee, WI 53201-3050
(800) 800-1212
Mega Life and Health Insurance Company
9151 Boulevard 26
North Richaland Hills, TX 76180
813-586-8733
Mid-West National Life Insurance Company of Tennessee
4001 McEwen Drive
Dallas, TX 75244
(800) 767-0700
National Foundation Life Insurance Company
801 Cherry St., Unit 33
FT Worth, TTX 76102
(817)-878-36807
Physicians Mutual Insurance Company
2600 Dodge St.
Omaha, NE 68131
(402)-633-1000
Time Insurance Company
501 West Michigan Avenue
Milwaukee, WI 53201
(800) 800-1212
United American Insurance Company
2700 S. Stonebridge Dr.
McKinney, TS 75070
(214)-320-6722
United Wisconsin Insurance Company
P.O. Box 19032
Green Bay, WI 54307
(414) 226-6300
(800) 452-4250
WellPath Select, Inc.
2801 Slater Rd., Suite 200
Morrisville, NC 27560
(866) 364-5663 Individual HMO
World Insurance Company
P.O. Box 3160
Omaha, NE 68103-0160
(402) 496-8000
(800) 786-7557
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