North Carolina Health Insurance

DoctorOver fourteen percent of the population of North Carolina is living without health insurance coverage, according to the United States Census (2000). Among those under the age of eighteen, approximately twelve percent are not insured in the state. If you are one of the over one million people without a health plan in North Carolina, please continue reading to find out about health insurance carriers that operate in your state. Such carriers include American Medical Security, Celtic, Blue Cross and Blue Shield of North Carolina, and Fortis (Assurant).

AMS of North Carolina

AMS asserts its commitment to providing the choices that its North Carolina members are looking for in medical coverage. Some of the companyпїЅs plans include medical and dental insurance for individuals and families that are flexible and affordable, group medical plans that meet the needs of various employees, group dental insurance that can be purchased with a medical plan or by itself, and group term life and accidental death and dismemberment insurance, as well as group short-term disability that can be incorporated with an employee benefit plan. American Medical Security designed MedOne Plus and MedOne Security to provide individuals and families with simple, flexible, and affordable health plans. MedOne Plus is a flexible plan that gives North Carolina subscribers a choice to select their own co-payment and deductible levels, or to opt for a plan that has no co-payment. If you are looking for a health insurance plan that requires lower premiums, MedOne Security may be appropriate for you. Through the MedOne Security plan, American Medical Security offers subscribers with the deductible options of MedOne Plus, as well as options for coinsurance with facility co-pay. With a MedOne Security plan, members receive the same services that other American Medical Security members receive, and a higher deductible to make premium payments lower. MedOne HSAvings was created by American Medical Security to meet the federal regulations of a health plan with a high-deductible to be used on its own, or coupled with a tax-deductible federal health savings account. American Medical Security of North Carolina also offers short-term medical insurance. The short-term plans can offer members coverage from thirty days to one-hundred-eighty days, depending on the subscriberпїЅs preference. American Medical Security also offers group health insurance plans that can meet the needs of your company, while allowing individual employees to select the coverage that is appropriate for his or her medical needs and financial situation. AMS is now offering a new group plan called the Signature Freedom Self Directed Health Plan. This option consists of a self-directed account as well as a preferred provider organization health insurance plan. Compare American Medical Security health plan types, available in North Carolina, to find the one that suits you, your family, or your business.

Celtic Health Insurance

Celtic Health Insurance Products are designed to meet the needs of individuals and families in North Carolina by providing flexible and affordable coverage. Celtic offers plans including пїЅCeltiCareпїЅ Health Plan, Celtic Basic Health Plan, пїЅCelticSaverпїЅ HAS plan, Celtic Short-Term, and Celtic PostGrad Health Plan. Comprehensive Major Medical plans provide coverage for individuals from ages six months to sixty-four and a half years old. Subscribers have a choice between 70/30, 80/20, or 100% coinsurance, as well as the choice of deductibles ranging from two-hundred-fifty dollars to ten-thousand dollars. A Comprehensive Major Medical plan will also provide you with a free prescription discount card, optional twenty-five-thousand dollar term life insurance policy (in certain states), as well as Preferred rates for members who do not use tobacco. Compare Celtic health plan types offered in North Carolina to find coverage that is appropriate for you or your family. Short-term major medical insurance is provided by Celtic to cover the majority of illnesses and injuries at an affordable rate. Subscribers are free to choose the duration of their coverage, from one month to six months. Celtic short-term plans offer quality benefits that include office visits, inpatient and outpatient coverage, surgical expenses, and laboratory fees. You will be able to select your own deductible of either two-hundred-fifty, five-hundred, or one-thousand dollars. The Celtic PostGrad Health Plan has many of the same features as the Short-Term Health Plan, and is designed to provide coverage for individuals between graduation and employment. In addition to quality, affordable health insurance coverage, Celtic asserts that its North Carolina members receive valuable customer service related benefits by choosing their health plans. Such benefits include simple applications, fast underwriting, the ability to make payments by credit card, guaranteed rates, prompt claims processing without the need for claim forms, and excellent customer service representatives.

BCBSNC

Blue Cross and Blue Shield of North Carolina has the advantage of being part of the Blue Cross and Blue Shield Association. The Blue Cross and Blue Shield Association consists of forty locally operated, independent member companies. For over seventy years, BCBSA has prided itself on providing affordable health insurance without compromising the quality of health care. Blue Cross and Blue Shield Plans provide coverage for over ninety-two million people in all fifty states, the District of Columbia and Puerto Rico. Compare Blue Cross and Blue Shield health insurance quotes with other top carriers in North Carolina. The BCBSA Plans had over one-thousand members in 1929, three million members in 1939, and over eighty-eight million members by 2003. The пїЅBlue PlansпїЅ continue to grow in enrolment by focusing on its members, and providing top quality, affordable health care coverage. BCBSA administers coverage through indemnity insurance, Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Point-of-Service (POS) plans, as well as Fee-for-Service plans. Whether you are looking for large employer coverage, small business coverage, or individual health coverage, for families without access to group health insurance, Blue Cross and Blue Shield of North Carolina has a plan to meet your specific needs. Compare health insurance plans and coverage from the Blue Cross and Blue Shield Association, the oldest and largest organization of health benefits companies.

Assurant Health

Assurant Health, serving members in North Carolina, asserts its size, stability, and strength as a health insurance carrier. To support this assertion, Assurant Health cites specific qualities as a leader in the individual medical insurance market, a top seller of temporary health insurance in the United States, as well as one of the leading independent providers of health insurance to small businesses, individuals and their families. Assurant Health prides itself on being one of the first companies to offer Health Savings Accounts, and is one of the top sellers of such accounts. A portfolio of Health Reimbursement Arrangements (HRAs) is offered by Assurant Health, for small employer groups. Assurant Health identifies its cornerstone as consumer choice. The company is committed to providing its members with flexibility and options in financing their health care, and offering an extensive network of providers to choose from. Assurant Health has over two-hundred-thousand local agents who are devoted to customer support. Potential subscribers to Assurant Health of North Carolina can take advantage of the пїЅBuyerпїЅs GuideпїЅ, which can provide clear answers to your health insurance questions when looking for coverage. Assurant Health provides potential customers with general descriptions of each health plan type, in an effort to guide individuals toward the appropriate plan. Some of the plans offered include Consumer Choice- Health Savings Accounts, One Deductible Plans, RightStart Plans, Value Plans, Network Plans, Traditional Plans, and Optional Benefits. Compare Assurant with other health insurance carriers in North Carolina to find individual or group health insurance coverage.