816-400-4477Short Term Health Insurance in North Carolina
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From Health Insurance Brokers in North Carolina
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.
That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
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North Carolina Health Insurance – Find a Plan That’s Right For You
Short Term Health Insurance in North Carolina: What You Need To Know
When it comes to protecting your health, having the right insurance is essential. This is especially true in North Carolina, where health care costs can be high and the laws governing health insurance coverage can be complex. Fortunately, there are options available for those who need short-term health insurance in North Carolina. Let’s take a look at what you need to know about this type of coverage.
What is Short Term Health Insurance?
Short term health insurance is a type of coverage that provides temporary protection from medical costs for up to 12 months. It is designed to fill the gap between traditional health insurance policies and provides coverage for basic medical expenses such as doctor visits, hospital stays, emergency services, and prescription drugs.
Who should consider Short Term Health Insurance?
Short term health insurance may be an appropriate option for individuals who are between jobs or waiting for employer-sponsored benefits to kick in, recent graduates or students who are no longer covered under their parents’ policies, or self-employed individuals who do not have access to employer-sponsored benefits. It can provide temporary coverage until individuals can obtain more comprehensive coverage with another provider.
What are some key factors to keep in mind when comparing different Short Term Health Insurance Plans in North Carolina?
Duration
Short term health insurance plans in North Carolina can only be purchased for a maximum of 12 months. Some plans may allow for one renewal, for a total of 24 months of coverage.
Cost
Short term health insurance plans can be more affordable than traditional health insurance plans, but they may also have higher deductibles and out-of-pocket costs. It’s important to compare the cost of different plans to see which one is the best fit for your budget.
Coverage Limits
Short term health insurance plans typically have lower coverage limits than traditional health insurance plans. This means that there is a maximum amount that the plan will pay for certain services, such as hospital stays or prescription drugs. It’s important to understand the coverage limits of each plan before you purchase it.
Exclusions
Short term health insurance plans may exclude certain services, such as pre-existing conditions or mental health care. It’s important to read the plan carefully to see what is and isn’t covered.
Deductibles and Copays
Short term health insurance plans typically have higher deductibles and copays than traditional health insurance plans. This means that you will have to pay more out-of-pocket for medical expenses before the plan starts to pay. It’s important to compare the deductibles and copays of different plans to see which one is the best fit for your budget.
How can individuals determine if a short term health insurance plan is right for them and their specific health needs?
Individuals can determine if a short term health insurance plan is right for them by assessing their specific health needs, budget, and the duration of coverage required. It’s important to consider factors such as the cost of premiums, deductibles, and co-pays, as well as any limitations or exclusions that may apply to the policy.
What options are available for individuals who need temporary health insurance coverage in North Carolina?
Individuals who need temporary health insurance coverage in North Carolina can purchase short term health insurance plans through the federal marketplace or directly from insurance providers. There are also community health clinics and resources available for individuals who may not have access to health insurance or are underinsured. It’s important to carefully review all options and choose a plan that meets your specific needs and budget.