Top questions to ask about NC health insurance

Choosing NC health insurance can be a confusing process. There are many options available for NC residents to consider. To make the process easier, talk with an experienced NC health insurance agent who can walk you through all the health plan options and give you an understanding of each health plan benefit and the limitations. You don’t want to be surprised later when filing an insurance claim, or getting medical treatment.

Coverage of family and individuals
To understand the specific health plan coverage, asking your agent several questions about each option will make it easier to decide on a health plan to suit your budget and medical care needs.

Who is covered under the NC health plan?
What are the age limitations of coverage for my children? Will they be covered if they work or go to college?
What about group health insurance coverage for my family? What are the limitations of employer health insurance? Is it more cost effective to cover my children on an individual policy instead of a group policy? What are the benefits and limitations of each health plan?

Cost of premiums and deductibles
Comparing the financial cost of different NC health plans with their benefits is an important aspect to consider. Many NC health plans have several monthly premium options to suit your budget.

Can I lower the monthly premium to decrease costs?
What are the claims caps for my health plan?
Does the cost of the health plan decrease or increase with claims?
What are the annual rate increases?
Can I get a preferred rate because of good health?
Can I raise or lower my co-pay or deductible?
Do my premiums increase if someone gets sick?


Limitations and Exclusions
Always read the fine print on a health insurance policy and ask a reputable health insurance agent to tell you about all the limitations, claims caps, and exclusions of each health plan. Here are some questions to ask:
Do I have to go to certain doctors in the network or can I choose my own doctor?
What is the coverage if I seek treatment outside the network of doctors and providers?
How do the premiums change and what are the maximum deductibles and pay-outs of this policy?
Does the health plan provide coverage medical care when I travel?
What are the specific exclusions and benefits of this health plan?

All of these questions can be discussed with a reputable health insurance agent who knows the answers. North Carolina residents can contact Judi Goloff at 800-438-5834 or visit NC Health Plans Online, for Blue Cross NC rates and quotes.