Cheap Health Insurance in North Carolina (NC)
Medical insurance has become a great necessity for all people, but many US residents cannot afford it. North Carolina is not exempt from this issue, for there are 16 percent of the population in this state that do not have medical insurance. This issue has reach law makers and several organizations have pulled together to develop and promote legislation that addresses this major social problem. H901, “Health Care for All” is the legislation that was proposed and it recognizes that health care is the right for all to have access to, and that it shows that the state of North Carolina has taken upon itself the obligation to make sure that all residents of North Carolina can get the medical services that they need.
The policies for health care insurance fall into three categories, which are: on the legislative level, on the organizational level, and on the consumer level. In the above paragraph a current policy on the legislative level has been presented. Now; specific policies governing health care insurance applies to each company that offers insurance. The majority of the insurance companies have eligibility restrictions. In other words, they could deny a consumer coverage because of his/her age, health status, or other factors a long those lines. Some of the more popular companies that provide medical insurance include: Aetna, Humana, Farm Bureau, Prudential, Unicare, etc. None of these insurance companies can turn down a consumer if the consumer is HIPAA eligible. Furthermore; if an employer provides medical insurance to his/her employees, the recipient of the insurance cannot be denied, no matter what his/her condition may be.
The leading health care provider is Blue Cross and Blue Shield of North Carolina, and it guarantees coverage for all residents of the state. There are hundreds of other companies, that offer coverage, but because of the various types of plans that they offer, the process of sorting through all of the plans to find the best one that suits the consumer’s needs is near impossible. It is best to understand the general types of plans such as PPO plans, HMO plans, etc. To further help in the process of sorting through the many plans, the consumer ought to: (1) identify his/her specific health, financial, and situational needs; and (2) look at specific plans that have been designed for his/her specific status in life. An example of this idea is that Blue Cross and Blue Shield of North Carolina offers four specific plans for Medicare recipients.