North Carolina Health Insurance Quotes

North Carolina health insurance quotes will give you a comparison of different policies at different prices, so you can purchase the coverage you need at the lowest rate possible. There's no reason to pay more for health insurance than you need to, but at the same time it's important to make sure you have all the coverage you will need.

Whether you live in Charlotte, Raleigh, Greensboro, Winston-Salem, Durham, Fayetteville, Cary, High Point, Wilmington, Greenville, Asheville or any other North Carolina city, you will have many choices among the health insurance quotes you receive from competing insurance companies.

When you're looking at North Carolina health insurance policies, you'll see that some will be a better deal than others, both due to price as well as the extent of coverage they will give you for your medical costs. One health insurance policy may, for example, give you more complete protection than another at the same price. Also make sure to consider whether it's important to you to continue seeing the doctors you already know, or if you don't mind changing in order to save money by staying within your plan's network.

Your deductible is another potential issue. If you don't go to the doctor often, you could save some money on your health insurance costs by choosing a higher deductible. That way you'd have insurance to cover major medical events, but regular office visits would come out of your own pocket until your deductible was met. But if you get sick frequently or are getting older, you might consider a health insurance plan with a lower deductible. You'll end up paying a bit more in your insurance bill, but you might save money in the long run by avoiding a big deductible that you couldn't afford.

When looking for North Carolina health insurance quotes online, you might come across some confusing terms when it comes to different types of health insurance policies. That's why we've outlined the most common types of programs for you below.

North Carolina Health Insurance Quotes – Health Plans Compared

North Carolina HMO (Health Management Organizations) Health Insurance: HMOs have several benefits – the biggest being that they cost less. But they also tend to provide better preventative care than other types of North Carolina health insurance. However, something that many people don't care for with HMOs is the lack of choice you have about which doctors you want to use. You are limited to the doctors in the network only. If this doesn't bother you, then you will also like that HMOs have no deductible, and co-pays, if there are any, are very affordable.

North Carolina PPO (Preferred Provider Organizations) Health Insurance: With PPOs, you can see the doctors you want to see whether they're included in your network or not. If you do choose to visit doctors inside the network, however, your co-pays will be lower, and insurance will carry more of the cost than if you go out of the network. PPOs have deductibles that will need to be met before they start to pay your healthcare expenses.

North Carolina POS (Point of Service) Health Insurance:
POS plans are a hybrid between an HMO and a PPO. Here, your primary physician will decide if he or she needs to refer you to a specialist. In the case that you do need a specialist, you then have the choice of staying in your network and paying lower co-pays and getting a higher percentage of your costs covered. Or you may go out of the network with a penalty, but many of your expenses would still be covered by your health insurance policy. If you went out of your network, you would also need to file all the proper paperwork with your insurance company so you would get reimbursed. Many people don't like to deal with insurance paperwork, and those people might be happier either by staying with the approved specialists in the network, or simply choosing a different policy when looking at their North Carolina health insurance quotes.

North Carolina EPO (Exclusive Provider Organization) Health Insurance: EPOs work much the same way as HMOs as far as patients are concerned. On the business side, providers negotiate costs with the insurance companies rather than being on the HMOs monthly payroll. Because of this, EPOs are less expensive to operate, and so are often cheaper for consumers than even the HMOs themselves. If you are healthy and don't go to the doctor very often, an EPO could be a very good choice for you.

North Carolina HDHP (High Deductible Health Plan) Health Insurance: HDHP plans let you save for medical costs and retirement at the same time. The way it works is, you set up a HSA (Health Savings Account) to put aside money you might need to meet your deductible. It can collect interest tax free until you are retirement age. Or, if you need to withdraw it to pay medical expenses because you haven't met your deductible yet, you can do so. You have a great deal of freedom with HDHP plans to see the doctors you want to, but the downside is that the deductibles tend to be higher than other North Carolina insurance plans.

North Carolina SDHP (Self-Directed Health Plan) Health Insurance: SDHPs have a few similarities with HDHPs. You put money in a special account four times a year to pay your medical bills. If this money isn't used by the end of the year, it rolls over to the next year. This is a great way to save money for future medical costs, especially for people who are healthy and only need health insurance now in the case of serious illness or accident.

It is quite possible that when you are comparing North Carolina health insurance quotes there may be other types of health insurance policies, but these are the most common.

Once you choose a type of policy, you next need to look at the maximum amounts your policy will pay in the case you get ill or injured. And finally, consider how much of a deductible you want. The higher the deductible, the cheaper your health insurance will be. But keep in mind that until you meet your deductible, you will have to pay all of your medical costs out of your own pocket.

Save Money Now with Our North Carolina Health Insurance Quotes

To get the best North Carolina health insurance quotes, all you need to do is fill in the quotes request form on this site. It's free, there's no obligation, and it only takes a couple of minutes!

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