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Tips for Before & After you Buy North Carolina Health Insurance

Health Insurance Tips Before and After Your Purchase

Shop around. Compare plans from more than one company. Do not feel pressured to make a quick decision.
Verify that the agent and company you choose to do business with are licensed in North Carolina.
DO NOT PAY CASH. When you purchase a policy, make your check or money order payable to the insurance company, NOT THE AGENT. Be sure to get a receipt.
Make sure you fully understand any policy you are considering and that you are comfortable with the company, agent and product.
Do not sign an insurance application until you review it carefully to be sure all the answers are complete and accurate.
Keep in mind that you have a minimum 10-day "free look" period. If you cancel during the free look period, the company must return your premium without penalty.

North Carolina law requires all insurance companies to clearly and truthfully disclose the following information in their marketing materials and all health insurance policies:
A clear description of health insurance benefits.
A complete list of items and services that the health care plan does not cover (exclusions and limitations).
An explanation of how the insurance company will calculate its own claim cost (share of a claim) and your share, including an example of how they make that calculation.
Length of time you must wait in order to receive benefits if the policy contains preexisting health conditions limitations.
Renewal terms and provisions.
Premium rate terms and provisions.

Resources:

Articles:

Minnesota Health Guide Pages:

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