Why Our Health Insurance Brokers in Raleigh, NC Believe Having Coverage Is a Must

The Affordable Care Act (ACA) was signed into law by then-president Barack Obama in 2014. Since that law’s enactment, many Americans who don’t qualify for employer-offered health care coverage have been able to outright buy a health insurance plan or qualify for a government subsidy that makes such a purchase more affordable. Our experience as health insurance brokers Raleigh, NC shows that there’s been a decline in individuals purchasing coverage over each year since the law’s passing.

Below, our Carolina Insurance Professionals team will share why we think the purchase of medical insurance is trending downward and the downside to that being the case. We’ll also share how our independent health insurance brokers in Raleigh can assist you in finding a plan that offers the services you need and fits into your limited budget so you no longer have to worry about needing medical attention but not being able to afford it.

Dangers Associated With Not Having a Health Insurance Plan

There are a multitude of reasons why people should have health insurance plans. Some of the more notable reasons why that’s the case include:

The Risk of Accumulating Unexpected, Expensive Medical Bills

There used to be a question on your income tax paperwork that asked if you had health insurance in compliance with the Affordable Care Act (ACA). If you answered no, you could be assessed thousands of dollars in fines for not having medical coverage.

While that’s no longer the case anymore, American Bankruptcy Institute statistics show that at least 62% of the at least 2 million people who file for bankruptcy as a form of debt relief do so over medical bills. An unexpected accident or illness can affect anyone at any time, resulting in mounting medical expenses that are challenging to pay off. Insurance keeps a governor on your health care costs.

No Insurance Makes It Challenging To Receive Necessary Medical Care

According to the American College of Emergency Physicians (ACEP), the Emergency Medical Treatment and Labor Act (EMTALA) requires emergency room personnel to stabilize or treat anyone walking into their facility, even if their ability to pay or insurance status is unknown. However, private doctors and other healthcare professionals have no obligation to provide you with follow-up treatment, medication, or any other care you may require without first verifying if you have the ability to pay or are insured unless they specifically want to.

The importance of bringing this up is that you may find it challenging to afford the rising costs of medical care, and a doctor’s office may be unwilling to book you for an appointment without pre-payment or proof of valid insurance. This means you could find yourself in a situation where you cannot receive the primary or preventative medical care you require to remain healthy or alive.

As you can likely tell, the costs associated with not having health insurance can easily be more than it is for you to simply secure coverage. So, if you’re looking for the reassurance that you’ll be able to get the medical care you need if and when the need arises, contact our Raleigh health insurance brokers for free assistance in navigating your best health insurance coverage options.

Benefits Of Working With Independent Health Insurance Brokers Raleigh, NC

The professionals employed here at Carolina Insurance Professionals are independent health insurance brokers. Our health insurance brokers in Raleigh, NC provide you with personalized service, explaining all relevant terms insurers use. We also don’t work directly for an insurance company ourselves. Thus, the role of the licensed health insurance broker at our company is wholly on identifying the best coverage that meets your needs and budget, irrespective of the carrier.

When asked about their experience in working with Carolina Insurance Professionals, many of our clients report finding our approach to helping them navigate insurance offerings as time-saving as they are being guided by someone knowledgeable about the ins and outs of a particular plan. Those same North Carolina residents also report finding the help of our independent insurance broker in Raleigh to be:

  • Cost-conscious: Trying to find affordable health insurance can seem like a daunting task. Our Raleigh health insurance brokers can help you determine if you qualify for premium tax credits to make the price more manageable.
  • Unbiased: We often get asked about the difference between agents and brokers. While independent NC health insurance agents represent insurers, like Blue Cross or United, for example, brokers are plan agnostic, meaning their responsibility is to share any plan you may be eligible for with you.
  • More aligned with your health insurance needs: The health insurance broker on our team will help you find the right policy that meets your needs, whether that’s a low or high-deductible one that’s the right plan, one that covers certain medical treatments or medications you require, or has other features.

How a Health Insurance Broker in Raleigh, NC at Carolina Insurance Professionals Can Help You

As a Raleigh health insurance brokerage company, we help all kinds of individuals seeking medical coverage, including individuals, their families, and also businesses seeking a group plan. We can assist with private insurance, top-line and government-subsidized Affordable Care Act coverage, and Medicare Advantage plans and Medicare Supplemental coverage, including dental, vision, and prescription drug plans. All of our brokers’ services are completely free.

Help in Finding an Affordable Health Insurance Plan

However overwhelming finding health coverage may seem when multiple insurers are only putting forward the information they want you to hear, you can count on our Carolina Insurance Professionals to advise you of all your options. Finding affordable health insurance isn’t just attainable for the rich but, instead, all of us. Our health insurance brokers in Raleigh, NC are eager to help you, so call or email us for assistance today.