Health Insurance Special Enrollment for New North Carolina Residents
A complete guide regarding North Carolina’s special enrollment period for health care coverage.
Ensuring You Have Health Insurance After Your Move to North Carolina
Moving to a new state can be a complex and overwhelming time in your life. Once you finally unpack your life’s possessions into your new home, you have to complete additional tasks such as forwarding your mail, getting a new driver’s license, and registering to vote. While all of these items are necessary, they pale in comparison to ensuring your health insurance needs are met. This is why it is important to understand and take advantage of North Carolina’s special enrollment period for switching health insurance.
North Carolina Health Insurance Special Enrollment Life Events
When it comes to switching health insurance, several qualifying life events make you eligible for the state’s open enrollment period. Moving to a new state falls under this category and allows new residents to apply for subsidies, switch insurance plans, or enroll in a new health insurance policy.
New North Carolina residents can take advantage of the state’s special enrollment period regardless of what time of year they move. This enrollment period only lasts for 60 days after your relocation date. If you miss this window, you and your family will have to wait until the next open enrollment period opens up in November. Making sure that your family has a medical coverage plan in place as soon as you establish residency should be a priority. You want to make sure that your family is enrolled in a health care plan as soon as possible.
Find The Perfect Plan
It’s our pleasure to evaluate all your 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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When Does Moving Out Of State Require A Change In Health Insurance?
As a general rule, you should purchase health insurance in the state you live in. This is key for those whose health insurance is not provided by an employer. Self-employed people, freelancers, contractors, or small business owners are generally responsible for obtaining their own medical coverage. In most cases, the health insurance plan you are currently on will end once you relocate to a different state. You may be able to extend your coverage through the COBRA program. Using COBRA would ensure there is no lapse in coverage while you are searching for a new job or health insurance provider.
Each state has its own healthcare market when it comes to health coverage. You will want to work with an independent broker who fully understands the North Carolina insurance marketplace. This ensures you can browse the health plans that are right for you while addressing your unique needs such as pre-existing conditions and prescription drug requirements. Your agent can find insurance quotes that can limit your out-of-pocket expenses and high deductible fees.
Medicare Enrollment In North Carolina
It is no secret that North Carolina has become a destination for retirees that have spent a lifetime suffering through cold Northeastern winters. As a retiree who has recently relocated, you might have your own lengthy health related to-do list to work through. This includes finding a new pharmacy and researching new doctors that are covered under Medicare. It is important that you take the necessary step to make sure your Medicare coverage travels with you.
Once you move, you have a grace period that gives you time to update important information such as address and contact information. Since Medicare is a nationwide health care program, your benefits should not be impacted in any way. This would be the case if you moved to any state because the program is available across the country. Medicare Advantage is a different option that leverages location-based networks. If you are currently enrolled in a Medicare Advantage plan, you will want to research what you will need to do to avoid a lapse in coverage.
Why Work With An Independent Insurance Broker?
Purchasing health insurance can be confusing, leaving you open to costly mistakes. The last thing you want is to purchase a plan that does not provide you and your family the coverage you need. This is why we highly recommend working with an independent insurance broker. They understand the different types of health insurance plans that are available and can answer all of your questions. Once they gain a deep understanding of your needs, they can select a variety of options for you to evaluate together.
Avoiding Costly Health Insurance Mistakes
Health insurance coverage needs are as unique as the person who has them. We all require different types of medical care including specialists, frequency of visits, and prescription medicine requirements. You need a partner that will listen to these needs and use these criteria when it comes to finding the right health insurance plan.
When you work with an insurance company, they can only offer you a plan from their own portfolio. An independent broker has no such limitations. They have the ability to browse the best plans from the nation’s top insurance companies and find the solution that best fits your unique requirements.
Why Carolina Insurance Professionals?
We are a team of highly qualified health insurance agents who are fully experienced in North Carolina insurance regulations. We have been helping new and current North Carolina residences for years with key aspects of their life including health insurance, medicare, home insurance, and auto insurance.
Our goal is to know each one of our clients on a personal level and understand exactly what type of insurance they require. We are proud to be an independent insurance agency, so we can give our clients the flexibility they need to get the insurance plan they deserve. We believe that individuals should not be tied to one provider’s limited set of options. Being independent means we get to browse all of the major carriers and select your plan based on the only criteria that should matter: your unique and individual needs.
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