NC Health Insurance Plans – Individual and Family Medical Plan Brokers

Are you a NC resident needing a Health Insurance Plan for yourself (Individual) or Family?  It can be confusing when searching for  major medical plans online and even worse are the websites out there that are made to look like health insurance companies but really just harvest your personal information to sell to as many health agents as possible.  Some even sell your information to huge call centers that make thousands of calls a day, calling from other states or even other countries.

On this site you can actually apply for health plans directly without the annoyance of several dozen agents and telemarketers calling you.  Also you will have access to me personally if you need any help applying or have any questions.  I actually would prefer you do this before submitting an application, especially if you have any pre-existing medical conditions because this could cause underwriting problems or rate ups if this is done incorrectly.  I can also pre-screen with any of these particular companies to reveiw what the underwriting outcome would be.

One point that I would like to make is that my services come at no cost to you.  The insurance companies pay me to place my clients in the correct plan for them, to explain the health insurance benefits of each policy, the pricing structure so that you know exactly what you are paying for, and to assist with applications.

If you choose to do an aplication on your own, do yourself a favor and contact your doctors and local hospital first to see what plans they accept.  The out of pocket costs such as doctor office co-pays, hospitalization deductibles, coinsurance, and maximum out of pocket can vary greatly between in-network and out of network.  This is protecting yourself from higher healthcare costs.

Also take into consideration Qualified High Deductible Plans that also qualify you for an HSA account.  This type of plan saves you a lot when it comes to what you have to pay monthly premiums.  They do not cover small medical expenses untill you have reached a yearly deductible, but after it is reached you are covered very well for all medical expenses after that.  Some even cover 100% of all medical expenses past that point.  What I suggest is that my clients take the difference that they would have been paying for a traditional PPO policy and put it into an HSA account to cover any out of pocket expenses they might have before reaching the yearly deductible.  These accounts are tax deffered and also accumulate interest.

In addition to the health and life insurance companies that you can apply directly to, I carry many specialized plans for those who have difficulty getting approved for traditional health plans.  If you are in this situation please call me, I will help you and show you your options.

I also carry medicare supplement insurance and medicare part-d plans.  If you need this type of health plan or have a family member in need of one, please call me.  Due to the complex nature of medicare supplements I prefer to meet clients face to face, preferrably with a family member who I help set up as a “gatekeeper” for them when making decisions about medicare products.

Another thing that I do for all of my clients is help them design a defensive investment portfolio.  No, I am not a stock broker.  Defensive investments are insurance products that help my clients protect everything that they have worked for from going down the drain for themselfs and their family.

These include term life insurance, whole life insurance, final expense insurance, funeral trust services, childrens whole life, long term care insurance, disability insurance, specified disease, critical illnes, cancer policies, accidental death insurance, fixed rate annuities, one pay whole life.

Please call me directly or email me for more information on these policies.

I also have temporary health insurance plans for those who are between jobs, student health plans for college students, and dental and vision insurance plans.

When it all comes down to it my job is to provide my clients with peace of mind when it comes to their individual health and families financial security.

I also value your privacy.  I never will, under any circumstances, divulge any information to any third party, outside of the insurance carriers that you apply to.  That is my fiduciary duty as a licensed NC health and life insurance agent.

I look forward in assisting you with your search for a NC health insurance plan, individual / family medical plans, and life insurance plans.

Cheers,

Mac