Archive for the ‘north carolina health insurance’ Category

Friday, February 19th, 2010

The North Carolina health insurance mental health parity law took effect 2/16/2010. This law requires insurance carriers to provide coverage for mental conditions. The coverage must be equivalent to the same amount for physical ailments.

North Carolina health insurance carriers must cover mental health conditions like depression, bipolar disorder, paranoia, schizophrenia, anorexia, and obsessive compulsive disorders. This new law will most likely cause an increase in North Carolina health insurance rates. However, other states that have implemented this law reported no health premium increases.

Wednesday, February 17th, 2010

The first thing to find out when shopping for North Carolina health insurance is whether or not your doctors and hospitals in your area are in the network. The best way to do this is to to call  one of our representatives they can quickly and easily find out if your doctors are in the network. Sometimes the doctor searches are tricky and your doctor can actually be on the list but the search isn’t finding them.

With North Carolina health insurance copay plans it is  important to know what the copay covers. Some carriers doctor copays cover only the consultation. While others cover lab work and x-rays. During annual exams some carriers pay for lab and x-rays. Two examples of carriers that do this are Golden Rule Insurance and Aetna health insurance.

The final feature in North Carolina health insurance to pay close attention to is the out of pocket maximum. This is the total sum of the deductible plus your chosen coinsurance. The usual and customary out of pocket maximum is around $5,000 per individual. This means that in the very worst case scenario you will expend five thousand dollars for $5,000,0000 worth of North Carolina health insurance coverage. This feature is actually a safety net for you and is called a stop loss. It caps your maximum expense at a certain limit to save you from paying to much for health care.  To lower your out of pocket maximum a lower deductible and better coinsurance must be chosen.

Sunday, February 14th, 2010

Rep. Larry Kissell voted against the House version of the health care reform bill in November fighting against North Carolina health insurance reform. This vote could play a huge role in Kissell’s re-election.

Kissell represents the state’s 8th Congressional District expanding from Charlotte to Fayetteville. He opposes the legislation stating that Medicare cuts are the reason. The current bill cuts $399 billion from Medicare.

Tuesday, January 26th, 2010

Outbreaks of both seasonal and H1N1 flu cases are not considered widespread in the state at the moment, but with the peak of the season on the way that could change. An outbreak of both strains of the flu occurred early in the season in October when many vaccines were still on their way to the area.

With two strains of flu – seasonal and H1N1 or swine flu – circulating this year, health insurance experts say area residents should still consider getting a flu vaccine from health departments, hospitals, pharmacies or physicians’ offices. Many are hosting vaccine clinics at their facilities or area retailers such as shopping malls in the coming weeks, and the H1N1 vaccine is free at many places with or without North Carolina health insurance or South Carolina health insurance.

Since Sept. 1, state officials have recorded 931 hospitalizations, including 16 people hospitalized last week with the flu, and 42 deaths across the Carolinas.Health officials will monitor flu outbreaks closely in the coming weeks because there is a concern that an H1N1 outbreak could occur in the spring.

In South Carolina, over 2 million doses of H1N1 vaccines have come in. Getting the vaccine before the peak of the season will protect residents more effectively than if they wait, officials say.