Finding the Right Individual Health Insurance Plan in North Carolina

Choosing the right individual health insurance plan in North Carolina can be tricky. We work with our clients to identify their needs and work with them to find the best policy. 

Our 5-step checklist will help you and your family when picking the best health insurance for your family in North Carolina. 

5 Things to Know About Choosing Health Insurance in NC

1. What medical needs do you have?

What medical needs do you and your family have? For example, do you take brand name prescriptions?  Do you see specialists regularly? You will want to make sure you take these things into consideration when selecting a policy. 

Make sure you understand the plan benefits (You must look at deductibles, co-pays, prescriptions, out of pocket maximums, etc.) As the old adage goes, you get what you pay for and when it comes to health insurance there can be a vast difference in coverage.   

2. Pick a policy that fits your budget

What deductible works with your budget? We advise our clients to pick a deductible that fits their needs. If you are young and healthy, you can pick a higher deductible than an older person with health care challenges. 

Higher deductible plans will cost you less each month and can save you money in the long run. However, cheap health insurance doesn’t always work that way, and we recommend you discuss the pros and cons of each plan with an agent. 

3. Make sure your prescriptions are covered

We advise our clients to write down all their prescriptions and make sure they are covered before signing up. You don’t want to find out after you sign up for a plan that your prescriptions aren’t covered or are very expensive. 

4. Choose a reputable insurance carrier

For instance, go with a Health Insurance Company that you can trust (all the plans and pricing are approved by the Department of Insurance, so you are not going to find a huge variation in pricing from one company to the next for the same coverage).

Make sure there are in-network doctors in your area, not all NC Insurance companies have providers in all counties. 

5. Walk through several plans

Finally, we advise our clients to look at their options and review the benefits of each. Health care can be confusing and overwhelming to some. However, we enjoy working with our clients on a personal basis to discuss their needs and what policy would be best for them. There are a lot of options out there and we can help you to find the best plan for your specific needs.

Contact us so that we can work with you to find the best health insurance policy for you and your family. We would love to offer you a health insurance quote