Blue Advantage® Family Insurance from BCBSNC is a widely popular plan, offering a wide choice of copayments for doctor visits, emergency services, hospital care, and prescription drugs. The plans offered allow you the freedom to choose the amount you wish to share in your health costs through deductible and coinsurance options. Some plans reward you with lower premiums for making healthy lifestyle choices.

This new option combines a high-deductible health insurance plan with a Health Savings Account, or HSA. HSAs are savings account for medical expenses that allows you to pay for present and future medical costs tax–free. High-deductible health plans have lower premiums than standard plans, making your health coverage even more affordable.

Access to quality health care is important to every resident of North Carolina. The good news is that high quality health care is available all across the state. The bad news is that while quality health care is abundant, quality health care comes at a price. Doctor visits, lab work and hospital stays can be expensive.

Fortunately there is a solution to the high cost of medical care. The solution is individual health care insurance. Individual health care insurance provides a financial safety net to help pay expensive medical bills.

Paying the bills for a serious accident or a major illness is not something you want to do on your own, that’s why you need health insurance, to protect yourself financially. With health care insurance, the insurance company helps pay your bills for doctor visits, prescriptions and hospital stays. Insurance also helps pay for preventive care including annual physicals and routine lab tests.

But don’t think individual health insurance plans only cover medical care. There are many related types of insurance that are important to consider, especially when you are single. For example:

• Individual Health Care
  Helps pay your medical bills
• Individual Long and Short Term Disability
  Provides reimbursement if you are disabled and unable to work
  
• Temporary Health Insurance
  Provides medical coverage for you between jobs or other short term needs
• Long Term Care
  Provides reimbursement if you require long term care while recovering from an accident, illness or aged and unable to care for yourself.
• Dental Insurance
  Helps pay your dental bills

When you are single you have to depend on yourself. If you have an illness or an accident that’s when you really need health care insurance. But you can’t wait for an accident or illness to happen, because then it’s too late.

Individual health care insurance provides security and peace of mind. When you have a health care policy, you can take comfort in knowing that if something unfortunate happens, you will have financial help when you need it the most.

Health insurance companies in North Carolina offer a wide variety of insurance policies for individuals. There’s a policy designed to meet your needs and budget. The plans are definitely affordable because you select your coverage options from a menu.

The price you will pay for your health care policy depends upon a number of factors, but ultimately you are in control of the premium by your selection of coverage options, deductibles and co-payments.

There are many health care insurance companies licensed in North Carolina. The competitive insurance market allows you to select a plan tailored specifically for your requirements. However, choosing the right health insurance policy doesn’t have to be a time consuming task.

If you want to save time and effort you can get help from a state-licensed, health insurance professional. This person knows the insurance market, the companies and the policies-it’s their job.

And it’s an important job because every policy is different-different coverages, co-payments, deductibles and co-insurance clauses. These subtle differences can make comparing policies difficult.

However, if you use an insurance professional’s services, the job of selecting an appropriate health insurance policy is much easier. For one reason, you won’t have to read the fine print. They can explain the policy to you.

You will also benefit because an insurance professional will help you obtain the best value for your premium dollar. After all, you shouldn’t spend more money than necessary.

If you have questions about affordable North Carolina individual insurance programs or would like to receive a no-obligation insurance quotation, please contact Employer Benefit Solutions by phone or e-mail. Employer Benefit Solutions appreciates the opportunity to help you with your insurance needs.

Simply contact Employer Benefit Solutions today
Phone: (704) 321-9491

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