What to Know When Looking for a North Carolina Health Insurance Plan

What to Know HE ALTIH INSURANCE When Looking for a North Carolina HEALTH INSURANCE PLAN Finding and choosing the right NC health insurance plan can be difficult, but it doesn't need to be! WNC Health Insurance is dedicated to helping you find the right health insurance plan for your needs. Here are some questions to ask, and things you should know, when searching and finding the right plan. WHAT ARE YOUR HEALTHCARE NEEDS? When you start to look for a North Carolina health insurance plan, take into consideration what kinds of medical and healthcare needs your plan must cover. Do you deal with chronic illness, need frequent doctors' appointments, or have recurring prescriptions? If so, then finding a plan with higher monthly premiums will reduce your deductible and out-of-pocket expenses. Alternatively, if you don't expect to have many healthcare needs for the year, then choose a plan with lower premiums and a higher deductible. GOLD PLAN BRONZE PLAN $600/mo $350/mo TOTAL OUT OF POCKET COSTS TOTAL OUT OF POCKET COSTS $50/mo $200/mo WHAT ARE YOUR BUDGETARY LIMITATIONS? Make sure that you take into account the total cost of each North Carolina health insurance plan that you are looking at. This includes the monthly premium, deductible, out-of-pocket maximums, and any copays or coinsurance costs. Plans with higher monthly premiums tend to have lower deductibles, and vice versa. 24 ARE YOUR NEEDS COVERED? Before choosing a plan, consider exactly what is covered, and compare those details with other plans. If you want to stay with your current doctors, ensure that they are covered in the plan's network, to lower costs. The same goes for any continuing prescriptions - different plans cover different tiers of prescription drugs. Make sure that yours are covered under the plan. If you're looking to find quality North Carolina health insurance, visit WNC Health Insurance to work with experienced licensed health insurance brokers that will help you choose the best option for you, your family, and your employees. Visit us at our office in Asheville, NC or at www.WNCHealthInsurance.com © 2020 WNC Health Insurance TODAY!