Health Insurance Agency
in North Carolina

If you are in North Carolina's Raleigh area and looking for health insurance for you or your family, we're the health insurance broker ready to help you find the perfect health insurance plan to fit your healthcare needs.

What are Independent Health Insurance Brokers?

In today’s world, knowing where to turn for health insurance coverage can be difficult. Do you buy into your employer’s plan or shop on the government marketplace? Maybe the price is so high you’re considering forgoing coverage altogether. If you are a business owner, the decision can be even more overwhelming. If you are facing these questions, an independent health insurance agency in NC can be an invaluable resource.

These agencies employ independent health insurance brokers, professionals that can help you find the right health plan for your unique needs. They are unaffiliated with any insurance providers and are well versed in the offerings of multiple companies. Independent brokers work for you rather than big insurance companies. They act as an unbiased intermediary to connect you with the insurer that provides the best coverage at the lowest cost.

 

Find The Perfect Plan

It’s our pleasure to evaluate all your health insurance needs and help you choose the right policy. With Carolina Insurance Professionals by your side, you will be ready for any surprises that life throws your way.

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Want To Speak with an Insurance Agent?
Call Us at 919-285-4732

Benefits of Working with Independent Health Insurance Brokers?

With skyrocketing health care costs, health insurance is necessary, and independent agents can provide many services to help you choose the right plan. Here are just a few of the benefits working with one offers:

Time and Cost Savings 

We all know that experts recommend comparing insurance quotes frequently to get the best rate. However, that’s easier said than done considering the ever-growing number of insurers on the market. Independent health insurance brokers do the comparison for you, saving you hours of work and frustration.

By comparing rates across companies, they can find the coverage you need at the best price. Since they often work with insurers on a large scale, they may also broker better deals than you can get as an individual. Finally, since they are paid a commission for the policies they sell, their services are free to consumers like you.

Accurate Needs and Risk Assessments

Understanding the types and amounts of health insurance you need can be tricky, and it is often tempting to pick the cheapest plan. However, that is not always the best value. 

An independent health insurance agency in NC can discuss your specific situation and concerns to assess how much and what kind of insurance best suits your needs. If you are a business owner, they can also help you understand the risks you face and how you can mitigate them with the proper insurance. Whether you are choosing a plan for yourself, your family, or your employees, an independent broker can help you through every step of the process.

Real-World Advice 

As health insurance professionals, there are very few situations independent brokers haven’t before encountered. They are often able to provide timely and practical advice.

Furthermore, insurance offerings and regulations can vary by state. As a local expert, an independent health insurance agency in NC will be familiar with these details.

Excellent Service

As health insurance companies do not employ them, an independent broker’s loyalty is to you, the customer. Their goal isn’t to sell you a specific plan but to provide value and outstanding service to earn your continued business.

What Services can Independent Health Insurance Brokers Provide?

No matter your demographic or how many people you need to cover, an independent health insurance broker can help find affordable health insurance with the right benefits. Products with which they can assist you include:

Affordable Care Act Coverage

These plans provide individual and family insurance to protect you and your immediate family. They are available for purchase during special open enrollment periods from the online government-run health insurance marketplace. Many of these plans are high-deductible and focus on providing preventative care and coverage of pre existing conditions and protection in case of a catastrophic illness or injury. However, more comprehensive plans are also available. You may qualify for a government-subsidized program depending on your situation.

Employer- or Union-Sponsored Plans

Your options for coverage in a group plan usually depend on your employer or union membership (if applicable). An independent health insurance agency can help you evaluate which is the best fit for your needs. They can also provide a comparison to other plans you may qualify for that are not employer or union-sponsored.

Short-Term Medical Insurance

These plans provide insurance during a coverage gap, such as waiting to reach Medicare eligibility or for an employer-sponsored plan to begin. 

Medicare Supplemental Coverage

Although Medicare plans provide health insurance, you may still be responsible for some out-of-pocket costs without supplemental coverage. A health insurance broker can help you pick a plan to cover these expenses.

COBRA Insurance 

If you lose your job or get laid off, you are eligible to remain enrolled in your employer-sponsored group plan for 18 or 36 months. However, you may be required to pay the entire premium up to 102% of the plan’s cost, which can be very expensive. An independent insurance broker can help you evaluate whether this or another insurance plan is best for you.

Group Medical Plans

No matter the number of employees in your company, small and large group plans are available at a variety of coverage levels and price points. Offering health coverage as part of your benefits package can be very valuable and attractive to your workers.

Health Savings Account (HSA) or Flexible Savings Account (FSA)

These programs are available with some insurance plans, especially those with high deductibles. They are funds you can contribute a portion of your before-tax pay to and use to cover out-of-pocket health care expenses.

Dental, Vision, and Prescription-Drug Plans

Not usually covered under major medical insurance, these services can be costly, so ensuring you have coverage for them is essential to access quality medical care easily.

Why Choose Carolina Insurance Professionals as an Independent Health Insurance Agency in NC?

Health, Medical, Medicare, Homeowners and Car Insurance Quotes at Carolina Insurance Professionals

Carolina Insurance Professionals is the partner you need if you’re ready to enroll in a health insurance plan. We are licensed North Carolina insurance agents who have been helping North Carolina residents just like you since 1999. With over two decades of experience, we are sure to provide the expert guidance you need at no extra cost to you. Reach out today, and let Carolina Insurance Professionals work with you to find the best health coverage for you and your family!

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