How to Compare Low Cost Health Insurance in North Carolina

Clearly the least expensive health care option for anyone in North Carolina is a group plan. Most of these plans are sponsored by employers and in some cases can result in the employee paying a very small amount of money per year for a lot of coverage. In North Carolina employers can utilize one of two different types of group plans. They are fully insured and self insured. In either case the employee can expect to receive a good rate on their health insurance as long as they stay employed with that company.

If you don’t have a job that has health insurance as a benefit, you can still find low cost insurance in North Carolina. The best way to do this is to compare prices between several companies that offer health insurance. This means contacting agents that represent different insurers and getting price quotes from each one.

Each company is likely going to offer their own selection of policies, with each containing slightly different levels of coverage. In order for you to effectively compare prices you need to ask for a quote based on the coverage you feel is necessary for your family’s unique situation.

If you or a member of your family regularly uses prescription medication you’ll want to find a plan that will cover a significant portion of that. If you are at a point in your life where starting a family is in the near future, a plan that provides prenatal care and coverage for the delivery of the baby is essential.

It’s important to remember that as your medical situation changes each year, you can adjust your coverage as it comes up for renewal. This typically includes shopping for new quotes each time. The key is to find a policy that reflects your current medical needs and is a price that is affordable.

By Deborah Mills

Health Insurance Savings - How To Go About It

Do you want to make savings in your health insurance? I'll give you tips that will ensure you get that without compromising your coverage. If you use them well, you'll get the best health insurance coverage for you at the best price possible.

1) Be Prepared. Know what you want. Ask your doctor what's best for you and why it's best for you. If you don't get this information from an expert you can trust, you'll be easily pushed around by recommended policies from every wannabe expert out there. Once you get this information, you are set. The cheapest policy is too expensive if it leaves you exposed. In the same vein, an oversize coverage (stuff you don't need) is equally expensive.

2) Understand your peculiar needs. Are you a lady who plans to have a baby soon? Do you have a health condition? It's a very wise decision to get coverage that takes care of your needs. That's what health insurance is all about in the first place.

3) Depending on your frequency to the hospital, you can request a higher deductible. The higher you make your deductible the lower your health insurance premium. However, bear in mind that your deductible has to be paid first before your insurance company is obligated by law to do anything. Therefore, make sure you ask for a deductible that you can handle with a level of ease.

4) Make sure you visit at least three health insurance quotes and comparison sites. Visiting this number reduces the odds that you'll pass by a potential great price/value. Please note that I didn't just say the lowest priced. The value you get for the price you pay is really what determines whether you paid too much or not.

By Chimezirim Chinecherem Odimba