Healthcare News & Stories

What is a Complex Case?
A complex case refers to specific healthcare needs for you or your family based on your circumstances. 
Here are some examples where seeking advice from a health insurance agent can be beneficial:

Did you know that dental health can impact your overall health? 
Over 100 diseases can appear in your mouth, making regular check-ups essential. Your family dentist can not only help you maintain good oral health but also help prevent serious health complications. Organizing the right level of dental insurance can allow you to access the ongoing dental care you need for you and your family to stay healthy. 
Benefits of good dental health

Having quality medical insurance is extremely important. Living without healthcare may leave you susceptible to substantial medical bills that you can’t afford. There are several different options for healthcare including employer insurance and Medicare. So, you may be wondering, “Can I have both employer insurance and Medicare?”.
Employer coverage refers to health insurance purchased by your employer. This insurance is then offered to their employees as part of a benefits package. An employer health plan is considered private health insurance coverage. 
Meanwhile, Medicare is a form of federal health insurance offered to people 65 or older, younger people with disabilities, and people with End-Stage Renal Disease. Since it is federal-based insurance, it is not considered private. 

In today’s world, taking care of your health starts with proper health coverage. Without health care coverage that meets your medical needs, you could get stuck with massive, avoidable debt. Private insurance and Medicare are two of the more popular forms of medical insurance. You may be wondering, “Can you have private insurance and Medicare at the same time?”
Private insurance refers to health coverage offered by the private health insurance industry. A private insurance plan is offered by private insurance companies that operate as separate, individual businesses. According to a 2020 report from the U.S. Census Bureau, 68 percent of Americans have some form of private health insurance.
Meanwhile, Medicare is a federal insurance plan eligible for adults 65 or older, individuals with disabilities, or people suffering from End-Stage Renal Disease. The government directly offers Medicare, not private insurance companies. 

Health insurance is essential as individuals should receive comprehensive coverage for a variety of medical procedures and expenses. However, trying to find the right insurance plan at an affordable price can feel overwhelming. Proper information lets you learn more about potential costs and what to look for when choosing a coverage plan. In this article, we will answer the question, “How much is health insurance for a family of 3? We will tell you everything you need to know to make the best decision. 
What is the Average Cost of Health Insurance for a Family of 3
A variety of factors determine the price of health insurance. To begin, you must understand the different expenses you will need to pay. Every month, you will pay a monthly premium. This is a decided amount of money you must pay to receive health coverage. Then, there is your deductible, the amount you pay out of pocket before your insurance begins to provide coverage. Once the deductible is met, various cost-sharing methods will be implemented. 

What is a Complex Case?
A complex case refers to specific healthcare needs for you or your family based on your circumstances. 
Here are some examples where seeking advice from a health insurance agent can be beneficial:

Life can be full of planned events and some that are a little more unexpected. If you're changing jobs or facing unemployment, and need to reconsider your health plan, our local North Carolina health insurance agents are here to help.  Our agents work hard every day to find clients a better deal than COBRA. So before you use COBRA, call us to see how we can help. 

Medicare Advantage continues to grow in popularity with Medicare beneficiaries. Data released in January 2023 by the Centers for Medicare and Medicaid Services shows Medicare Advantage provides coverage for just over half of all Medicare-eligible beneficiaries. So out of almost 60 million people enrolled in Medicare Part A and Medicare Part B, just over 30 million are enrolled in a private plan.

At Health Plans of NC, our experienced and professional team of locally based health insurance agents are here to help you. We've recently launched a new website to make it even easier for anyone living in North Carolina to access the best health insurance plan.  You can request a quote online in seconds simply by providing your zip code. It's a great way to get a quote fast, and we'll assign you to one of our knowledgeable North Carolina agents here to help you find the right plan for your health needs and budget. But if you want more control over your chosen agent, we recommend you look at our new 'Find an Agent' feature. This tool gives you the power to choose which insurance broker you use. 

AARP is a non-profit organization that aims to assist and advocate for individuals over 50 on issues relating to health security and financial stability. For qualifying individuals, it is helpful to stay informed on the different coverage plans available. By doing so, they can find a plan that is affordable and provides proper benefits.
What Are The Available Medical Plans For Members?
There are different insurance plans AARP members can enroll in. Each plan may have varying eligibility requirements.

What Else Should I Consider When I Apply For Medicare?
To start, you will only need to apply for Medicare once. This is done through the Social Security Administration. You can stay with Original Medicare or enroll in a Medicare Advantage plan.
Medicare Advantage plans have an out-of-pocket limit. This means that after paying a set amount, Medicare will fully cover all eligible medical expenses. 

While it is essential to have comprehensive health insurance, fees can be concerning. Monthly premiums, copays, and coinsurance can all add up. However, for Medicare members, there are potential solutions to lessen high pocket costs.
Medicare Supplement plans, also known as Medigap, can be an effective method to cover costly medical expenses. With proper information, you can better understand what the supplemental is and the benefits it can have. In this article, we will discuss everything you need to know about Medigap, and answer the question “Do I really need supplemental insurance with Medicare?:
What is Medicare Supplemental Insurance (Medigap)?

Financial Considerations When Getting Self-Employed Health Insurance
If you are or are considering becoming self-employed, it is important to understand the ramification it may have on your health insurance. You may no longer receive coverage under your employer’s insurance plan. Therefore, it is essential to consider your financial situation and choose a health insurance plan that is affordable.
What Are Available Options for Self-Employed Health Insurance?

The Open Enrollment Period for 2023 plans has ended. However, certain individuals may qualify for the Special Enrollment Period.
To be eligible, you must have experienced a significant life change. Typically, you will need to apply 60 days before or after the event.
In addition, if you qualify for Medicaid or CHIP (Children’s Health Insurance Program), you may apply at any time.

A health insurance agent can help you acquire health plans that meet your needs. A good agent is licensed and knowledgeable about health coverage in your area. Unfortunately, some agents are more knowledgeable and personable than others. When people choose an insurance professional that doesn’t meet their needs, they often wonder, “Can I change my health insurance agent?”
Changing your agent is simple, but timing is crucial. This article is meant to guide you through the process and answer your questions. There are currently 881,500 licensed agencies and brokers working in the US. In addition, as of 2021, totals show 911,400 life and health insurance agents and 628,600 property/casualty insurance agents. Viable options are available for those seeking a new agent.
Can I change my health insurance company before renewal? Can I switch health insurance with no waiting period? And, should I buy health insurance through an agent or online? Can I change my health insurance agent without being penalized? Let’s address these questions and more in this article.

Having quality health coverage is essential. Unfortunately, it can be difficult to find an affordable health plan that gives you all the coverage you need. With so many plans available, finding the right one takes time, diligence, and dedication. While it’s possible to find good health insurance by yourself, many people ask themselves, “Can I use an agent to find health insurance?” 
A licensed health insurance agent works directly with insurance companies to find the ideal health insurance plan. They are committed to selecting a health plan that fits your financial availability, offering assistance towards qualifying for a premium tax credit if needed.
Get a quote and find your most affordable North Carolina health insurance plan today.

It can be time-consuming and stressful to find health insurance plans that meet all your needs. Finding an insurance company that offers plans that fit your budget can also be difficult. Health insurance agents can assist you in this process. But what does a health insurance agent do?
Health insurance agents are licensed professionals who know the similarities and differences between different insurance plans. They are well-versed in specific health insurance plans and often work directly for insurance companies. Using an insurance professional can save you time, money, and unnecessary stress.
This article is meant to educate potential clients about what agents do and how they can help you find the perfect health plan. Visit our website to get a quote and learn more about our agents.

Finding affordable health insurance that fits your needs can be difficult. With so many options available, finding the right health plan is a daunting task. Most people struggle to discover the perfect plan by themselves, not realizing there are health insurance agents who can help. So, how do I find a health insurance agent?
At Health Plans of NC, we are ready to help you find the health plan that suits your needs. When it comes to health insurance plans, it can be difficult to understand the fine print. A qualified health insurance agent can walk you through the process so you don’t have to do it all on your own.
Finding the right health insurance plan starts with finding the right health insurance agent. This article focuses on what licensed agents do and where to find the right one for you.

Living without health insurance can leave you financially vulnerable to sudden illness or injury. Many individuals with health insurance coverage may feel that their plans don’t fulfill all of their needs.
If this is the case, there are several different options available, and Non-Medicare is one of the most widely used. But what is Non-Medicare insurance? And do you benefit from choosing it?
This article will offer a comprehensive understanding of what Non Medicare insurance is and how it differs from other types of insurance plans.

Finding the right health insurance plan is no easy task. With so many options available, many people feel overwhelmed and settle for a health plan that doesn’t fully meet their needs. Working with a licensed insurance agent can make the process less stressful and give you better results. You may be wondering what questions to ask a health insurance agent.  
Before selecting a health insurance policy, talk to your agent about what questions to ask health insurance companies. Take the time to learn from your agent and get educated on all the health insurance plans available. Insurance agents are a valuable resource because they work directly for the health insurance company.
This article is meant to offer questions to ask when getting health insurance. We’ll cover topics such as insurance types, costs, and claims. Asking the right questions can give you a fuller picture of all your options so you can make the best decision possible.

For many employees in the United States, they receive their health insurance through a group health plan. This type of plan can also be beneficial for small business owners and self-employed individuals. But what is a group health plan, and what are the benefits associated with it?
As with any form of health plan, the cost can be a concern. However, with proper information and understanding, you can know which type of plan works best for you. The experienced team of licensed insurance agents at Health Plans of NC can assist you during this process.
Understanding How Group Health Plans Work

When it comes to overall health and well-being, an individual health insurance plan may be the right option for you. While it may seem expensive with potential out-of-pocket costs, it is worth having. With a proper health insurance plan, you can rest assured, as you will be covered for a variety of services and procedures. But what is individual health insurance, and what does it cover?
With the help of a knowledgeable insurance agent, you can find a plan that is both affordable and provides extensive coverage.
The Importance of Receiving Health Insurance in North Carolina

An Individual’s health should be one of their top priorities in life. Trying to find the correct medical insurance, though, can feel tricky and confusing. For many, the options are Medicare vs private health insurance. It is important to understand and compare the two. With the right information, you will be able to make a proper decision on what is best for you.
Medicare vs. Private Insurance: Comparison Overview
Medicare is a health insurance program established by the federal government. 

There are several options you must consider when choosing a health insurance plan. Many people receive coverage through their workplace. On the other hand, for the elderly or retired, Medicare (a public health program created by the federal government) might be the most suitable. However, there are also individual plans available from health insurance companies. But, how much is individual health insurance, and what does it cover?
Recently, this option has gained traction as it provides greater customization opportunities and flexibility within different plans. In the following, we will explain what individual health insurance is, how much it costs, and why it might be the right choice for you.
Why Consider Getting Individual Health Insurance