North Carolina Health Insurance Plans

Navigating health insurance options in North Carolina can feel overwhelming. Whether you’re a business owner, a family provider, or simply seeking the best personal coverage, you need a plan that fits your specific needs and budget. At First Family Insurance, we understand how important it is to have reliable coverage in place—especially when it matters most.

Your Options for North Carolina Health Insurance

Health care is deeply personal, and finding the right insurance should reflect that. Here’s a breakdown of the plans we offer, tailored for North Carolina residents:

North Carolina Marketplace Insurance

• Overview: These plans meet all Affordable Care Act (ACA) requirements, ensuring you have access to essential health benefits.
• Benefits: Depending on your income, you may qualify for subsidies that make health insurance more affordable.
• Ideal For: North Carolinians looking for comprehensive, ACA-compliant coverage with financial assistance options.

North Carolina COBRA Insurance

• Overview: If you’ve experienced job loss or a reduction in work hours, COBRA allows you to maintain your existing health coverage temporarily.
• Benefits: While COBRA can be more expensive, it provides uninterrupted access to your current healthcare providers.
• Ideal For: North Carolinians in transition who want to maintain their current health coverage.

North Carolina Self-Employed Insurance

• Overview: Running your own business is challenging enough—finding health insurance shouldn’t add to the stress. Our plans offer the flexibility you need.
• Benefits: Your health insurance premiums may be tax-deductible, providing financial relief while keeping you covered.
• Ideal For: Entrepreneurs, freelancers, and independent contractors in North Carolina.

North Carolina Dental Insurance

• Overview: Our dental plans cover everything from routine check-ups to more complex procedures, ensuring you and your family maintain excellent oral health.
• Benefits: Access to a wide network of dental professionals across the state, making regular visits convenient and affordable.
• Ideal For: North Carolinians who value preventive dental care and want affordable access to a variety of dental services.

North Carolina Vision Insurance

• Overview: Whether you need corrective lenses or regular eye exams, our vision insurance plans have you covered.
• Benefits: Discounts on eyewear and access to a broad range of eye care providers throughout North Carolina.
• Ideal For: Residents who require ongoing vision care and want access to a wide network of providers.

North Carolina Real Estate Insurance

• Overview: Specifically designed for real estate professionals, this plan addresses the unique health coverage needs within the industry.
• Benefits: Protects against industry-specific risks while ensuring you have comprehensive health coverage.
• Ideal For: Real estate professionals in North Carolina who need insurance that aligns with their career demands.

North Carolina Travel Nurses Insurance

• Overview: Our travel nurse insurance adapts to your ever-changing work environment, offering nationwide coverage to keep you protected wherever your job takes you.
• Benefits: Adjust benefits based on your location, providing flexibility and security wherever you work.
• Ideal For: Travel nurses in North Carolina who require adaptable health insurance that moves with them.

Why First Family Insurance Stands Out in North Carolina

Choosing health insurance isn’t just about picking a plan—it’s about securing your future. Here’s why First Family Insurance is the right partner for North Carolina residents:

1. Custom Plans: Our health insurance plans are tailored to meet the specific needs of North Carolina residents, ensuring you get coverage that’s right for you.
2. Expert Guidance: Health insurance can be confusing, but our local agents know North Carolina’s healthcare landscape inside and out. We’re here to guide you, every step of the way.
3. Affordable Choices: We’re committed to finding you the best possible coverage within your budget, leveraging every available financial assistance option.
4. Trusted Network: Access a broad network of healthcare providers across North Carolina, ensuring you receive the care you need, when you need it.
5. Dedicated Support: We believe in providing top-tier customer service. Have a question? Need advice? We’re here to help, whenever you need us.

How to Get Covered in North Carolina

Enrolling in a health insurance plan can feel overwhelming, but it doesn’t have to be. Here’s how to get started with First Family Insurance:

When to Enroll

• Open Enrollment: This annual window is your chance to sign up or change your health insurance plan. For North Carolina, it typically runs from November 1 to December 15.
• Special Enrollment Period (SEP): If life throws you a curveball—marriage, a new baby, a move—you may qualify to enroll outside the standard period.

Are You Eligible?

• Residency: You must live in North Carolina to access our health insurance plans, ensuring you benefit from local networks.
• Legal Status: You must be a U.S. citizen, national, or have an eligible immigration status to enroll.
• Income Matters: Your income could qualify you for subsidies, making coverage more affordable. We’ll help you navigate these options.

Steps to Enroll

1. Online Enrollment: Compare and select plans through our user-friendly website. It’s quick, easy, and available anytime.
2. Speak to an Agent: Prefer a more personal touch? Our agents are ready to assist you by phone or in-person, answering all your questions and guiding you through the process.

What You’ll Need

• Proof of residency (e.g., utility bill)
• Identification (e.g., driver’s license)
• Income documentation (if applying for income-based subsidies)

If you have any questions or need assistance, our team is here to ensure your enrollment is smooth and stress-free.

Understanding the Costs of Health Insurance in North Carolina

Health insurance is an investment in your future, but it’s important to understand the costs involved. Here’s what you need to know:

Premiums

• What Are They? Your premium is the monthly cost you pay to keep your insurance active. We offer a range of plans designed to fit different budgets.

Deductibles

• What’s Involved? A deductible is the amount you pay out-of-pocket before your insurance kicks in. Choose a deductible that aligns with your financial comfort zone.

Copayments and Coinsurance

• The Breakdown: Copayments are a fixed fee you pay for services like doctor visits, while coinsurance is a percentage of costs you cover after meeting your deductible.

Financial Assistance

• Subsidies: Depending on your income, you might qualify for subsidies that can lower your premiums significantly.
• Cost-Sharing Reductions: These reductions can lower your out-of-pocket expenses if you meet certain income criteria.

Additional Support

• Medicaid and Medicare: These programs provide additional financial assistance for eligible individuals, ensuring low-cost or free health coverage.

If you’re feeling unsure about your options or how much you’ll need to budget, reach out to First Family Insurance. We’re here to help you find a plan that fits both your needs and your financial situation.

Frequently Asked Questions

What is the Open Enrollment period for health insurance in North Carolina? The Open Enrollment period typically runs from November 1 to December 15. This is your opportunity to enroll in a new plan or make changes to your current coverage.

Can I get insurance if I miss Open Enrollment? Yes, certain life events, like getting married or having a baby, may qualify you for a Special Enrollment Period.

How can I lower my health insurance costs in North Carolina? Consider plans with higher deductibles and lower premiums, or see if you qualify for subsidies. Our agents are here to help you explore all your options.

What documents do I need to enroll? You’ll need proof of residency, identification, and income documentation if applying for income-based assistance.

If you have more questions or need help getting started, contact First Family Insurance. We’re committed to helping you secure the coverage you need in North Carolina.