If you live in North Carolina you should count yourself lucky that you live in a state that offers such a great government-sponsored health care program called Inclusive Health.
This a government subsidize quality health insurance plan administered by Blue Cross Blue Shield of North Carolina for folks that cannot qualify for an individual health insurance plan due to health history.
Trying to find a quality health plan with pre-existing conditions can be very difficult if you have never tried to shop for a private policy before on your own.
Every carrier in the state has different but similar underwriting guidelines, so before you try to apply for the inclusive health plan you should make sure no other plan will cover you.
This is a pretty good plan that covers basically the same services you would expect any major medical health insurance policy such as wellness visits, outpatient care, emergency room visits and your medications are covered as well of course.
Eligibility Requirements for State Option Coverage
You are eligible of Inclusive Health Coverage if you have a pre-existing condition and…
You can answer YES to AT LEAST ONE of the following questions:
You are eligible if you can answer YES to ALL of the following questions:
As an example the rate for a 30 year old male non smoker, who has had insurance in the last 63 days would be:
|For people who have existing coverage, have not had a lapse in coverage of more than 63 days who have a pre-existing condition, are on COBRA or are HIPAA eligible or HCTC eligible.|
|Plan Option||Monthly Premium||Deductible/Co-Insurance|
If you would like help with the Inclusive Health application please click here!