Family Health Insurance
 
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North Carolina Family Health Insurance (NC)

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You can either knock on wood and hope for the best, or you can plan for the protection of your family’s health and financial well-being. North Carolina has several dependable and affordable family health insurance plans and one is sure to fit the needs of your family. Along with great family healthcare plans, North Carolina has a series of state regulations that further protect the health and rights of its residents. Check out what family health insurance options are available to you in North Carolina.

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Health Insurance Carriers in North Carolina:

 

Family Health Insurance Regulations in North Carolina (NC):

  • Blue Cross Blue Shield of North Carolina is the only insurance provider in the state that may not deny individuals of coverage for a medical condition.

  • People eligible under Health Insurance Portability and Affordability Act (HIPAA) and applying for coverage outside BCBS of NC are not subject to exclusion periods, but there are no limits on policy cost.

  • Both self-employed individuals, with proof of sole proprietorship, and small businesses are able to purchase small group plans in the state of North Carolina.

  • There is a maximum exclusion time of 12 months for families covered under group plans and found to have pre-existing conditions based upon a review of medical records up to 6 months prior to the effective period of the plan. There is no limit to exclusion periods for individual plan coverage.

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NC State Resources:

North Carolina Department of Insurance
P.O. Box 26387
Raleigh, NC 27611
919-733-2032
www.ncdoi.com

NC Department of Health and Human Services
2001 Mail Service Center
Raleigh, NC 27699-2001
919-733-4534
www.dhhs.state.nc.us

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Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.