Group health insurance is truly the best way to get extensive coverage at a fair rate. For most individuals the only way they can qualify for a group plan in North Carolina is through their employer. Unfortunately sometimes circumstances change and it’s not economically feasible for a business to continue offering this type of benefit. If that’s the case, any business in North Carolina that does decide to stop benefits must notify all affected employees in writing with at least 45 days advance notice.
If you are one of the many people in North Carolina looking for a private health insurance plan you are likely looking for ways to save money. Health insurance can be expensive so it’s a good idea to consider exactly what level of coverage you need before you begin looking for price quotes. You also need to consider who you want to cover. If your children have taken off to college it may make better financial sense to have them take out their own health insurance plan through school.
Having a co-payment on doctor’s visits can raise your premiums substantially. Instead of paying only a portion of the cost to visit the doctor, you should consider taking on that full cost. Although it may seem that you’ll be paying more in the long run, your premiums will reflect the savings. Also people who are paying out-of-pocket for each doctor’s visit are less likely to run to see the doctor for every small problem that pops up. This bodes well when it comes time to renew their health insurance policy.
Since most companies have a maximum out-of-pocket expense clause included, this means the patient will never be expected to pay more than the specified amount per year. If you can afford to visit the doctor and pay for it, you can really save money on your health insurance.
