Blue Cross Blue Shield of North Carolina and Cigna offer 2018 private subsidized and off-Exchange plans. You don't have to go without health insurance or pay high premiums any more. Find the cheapest health insurance quotes in the Tar Heel State and save up to 50% (or more) with a federal subsidy (if you qualify). Open Enrollment has arrived! We take the time to compare the best NC health insurance prices from the top-rated companies so you can save. Pre-existing conditions are covered and you can not be denied because of medical issues. Single and family policies are offered, along with student and HSA plans.
A "Special Enrollment Period" (SEP) allows you to purchase affordable plans at any time throughout the year, if you qualify for specific "life-changing events," such as losing employer-provided benefits, moving to a different service area, reaching age 26 while covered on a parent's plan, or divorce. If you don't qualify for one of these exceptions, cheap short-term plans can be offered, although no federal subsidy will apply and benefits will generally be less than most Marketplace options. Maternity and several other benefits are also not included. The maximum benefit period is three months, although you may apply for extra coverage.
Exchange plans include 10 "essential health benefits," such as maternity, ER, office visits, prescriptions, preventative benefits, and more. Silver-tier plans are eligible for special cost-sharing, which can substantially reduce your deductible and maximum out-of-pocket expenses. Copays and coinsurance can also reduce, which can save thousands of dollars on major claims. Your household income determines the amount of subsidy you are eligible for. We do the shopping so you save. Simply click on our secure website link at the bottom of the page, provide your zip code and within minutes, you can view the best options. There are no obligations or costs. We continue to be rated North Carolina's premier trusted resource for providing the most comprehensive medical plan information along with the lowest available rates. You can easily view both Obamacare and non-Obamacare options.
Senior North Carolina Medigap Plans
NC Senior Medicare Supplement plans are also available from many major carriers. Medigap contracts can be very helpful in reducing out-of-pocket expenses, such as copays and deductibles. Advantage plans can also include drug prescription benefits. Supplement coverage is standardized to make comparisons much easier. The Open Enrollment Period is from October 15th to December 7th. Also, a 7-month window is available when you become Medicare-eligible. Separate Part D prescription drug plans are available from many carriers.
Medicare insurers in North Carolina are UnitedHealthcare, Humana, and Blue Cross Blue Shield. Advantage plans may include prescription drug coverage and other benefits not typically offered by Original Medicare.
Participating Marketplace carriers in the state include Blue Cross and Blue Shield of NC (BCBSNC) and Cigna. Aetna no longer offers private plans. Off-Marketplace coverage can also be purchased. Typically, short-term plans are very inexpensive, but are not eligible for federal subsidies. The Department of Insurance helps regulate companies, including approving proposed price increases, and any material changes to coverage, including state mandates. Every year, carriers must publish their rates and submit plans for approval.
Several popular low-cost NC Marketplace plans are listed below: (Raleigh Area)
BCBS Blue Value 6650
BCBS Blue Local 6650
BCBS Blue Value 7000
BCBS Blue Value 4000
Cigna Connect 6000
Cigna Connect 6400
Cigna Connect 3750
Cigna Connect 5500
Student plans, HSAs, catastrophic options, high-deductible policies, and other low-cost North Carolina options are available. Need help calculating your subsidy? We'll tell you how much funding you'll receive to pay for your coverage. Your instant tax-credit is applied directly to the premium so you do not have to wait to have it applied.
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