health insurance is our specialty. As one of the
largest online insurance agencies you are
guaranteed the lowest premiums possible . We represent a number
of top-rated North Carolina health plans. This is truly one stop shopping.
Call now at 1-800-986-4786 for immediate quotes (9AM to 9PM weekdays)
or Click Here and I will call you within
you need group health insurance go to our NC Group
Health Insurance Site
Carolina Health Insurance Plans - Can you handle the truth?
want to tell you right up front that I hate all health insurance companies.
Choosing one from the herd is not an easy task. I look for companies that
pay their claims and have decent customer service. There are some companies
that do a reasonably good job, nothing to write home about, but they won't
take your guts out by giving you the run-around. I use these companies
I don't want to find myself in court so I cannot name the plans that you
should stay clear of.
The cost of any plan we sell will depend on the deductible and features
you include. If you read my site, you will see that I am a big believer
in high-deductible, low cost plans. However, everyone's situation is different
and we will customize the plan to your needs. Give me a call if you want
help in sorting all of this out.
out a health insurance request quote form.
Be sure to include your phone number, I don't want any pen pals. I will
need about 5 minutes or so of your time to give you a quote and answer
I hope you enjoy the rest of the site,
These quick tips are not a substitute for talking to me
personally, but you should find
them very helpful.
You can shop until you are blue in the face and have every screwball
in the country calling you about insurance. The fact is that all
agents who sell the same plan must sell it for the same price.
It's not a flea market. So, John Smith in the Raleigh will offer the
same plan for the same premium as Mary Jones in Greensboro.
I suggest you stay away from any plan that pays you a set amount for
different situations. For example a plan that will pay you $200 or
$300 a day when you are in the hospital. This is not the best type
of coverage and you might leave the hospital will large bills to pay.
Never, never, and let me say it one more
time - never buy a plan with fixed or scheduled reimbursement rates.
You want a plan that will pay the bills after the deductible and coinsurance
I know you used to have great insurance. You went to the doctor in
a limousine, got a massage and facial and then paid two dollars for
a heart transplant. I don't have any of those plans to offer. Having
a low-cost, basic plan with a high deductible won't kill you. Having
no health insurance at all might.
Health plans usually do not cover you adequately outside of the
United States. If you are traveling abroad, get travel insurance.
North Carolina individual and family health
insurance plans are not guaranteed issue. If you have preexisting
conditions, the condition might not be covered.
Make sure you discuss these concerns with your agent. If an agent
ever hints that you should conceal something, get rid of the agent
pronto. In the long run you will screw yourself out of coverage when
you need it the most. In most states, lying on a health insurance
application is a felony.
the way, there are no laws that will force a health insurance company
to cover your preexisting conditions. I don't care what your neighbor,
friend or brother-in-law told you.
We do not sell HMOs. I don't like them and will not sell them. Sorry.
you are pregnant you cannot get health insurance.
Your husband cannot get health insurance
and your children cannot get health insurance. I
know its nuts but those are the rules. Maternity coverage is
so expensive that it is often cheaper to save the money and
negotiate with the hospital for a fixed price. Plus, you can
use the PPO discounts. The newborn will be covered immediately
at birth as will complications to pregnancy.
If you have a PPO plan you are entitled
to the discounted PPO rate for services. So a doctor visit
might still only cost $35 or $40 instead of $75, and a lab fee $15
instead of $60. Be sure to ask me about PPO discounts. It can save
you a bundle. (This is one
of the most important pieces of information I can offer you. If you
are not sure what I am referring to - ask me about it.)
High deductible major medical plans are often the best value. There
is no point in spending $2000 a year more in premiums to lower your
deductible $1500. Once you understand
how much extra you must pay for prescription coverage, doctor copay
features and a lower deductible you will be able to figure out which
plan is the best buy. I will lay it all out for you so you can make
an informed decision.
promise you will get a premium increase every single year.
You can count on it. It doesn't matter what company you use. Although,
some are a lot worse than others.
you get an increase that is too high, you should give me a call. I
will either tell you to stay where you are or I will move you to a
less expensive plan. That is why you use a broker and not a captive
agent with only one company to offer. All starts to make sense doesn't
10. If you went online and filled
out a bunch of forms for quotes you have already made a mistake. Most
of the people you will contact on the Internet will not be direct
agents like myself. They will be national marketing companies that
will sell your name and phone number or e-mail addresses to the highest
bidder for insurance leads or anything else they can.
You never know where or with whom your confidential information
will wind up. Fill out my request form or call me before that happens
to you. We are very security conscious and are licensed agents. The
only one who will annoy you - is me.
*This is a no-cost
plan available to
Plans - Canadian pharmacies that will let you purchase most
prescriptions at staggering discounts. You do not have to
buy a discount card or a health plan. We offer this as a service
to the public.
You only need
to use the following Affiliate Number: 7001 to get your full
here to link directly to their site.
REMEMBER TO USE YOUR SPECIAL AFFILIATE NUMBER. YOUR AFFILIATE
NUMBER IS 7001
Health Insurance - A Final Word
health insurance plans are a very important part of our business.
We spend a lot of time comparing health plans. If we don't have
the best plan for best price you will go somewhere else. It is as
simple as that. Health insurance is a specialty. We don't insure
trucks or houses. We are experts in health insurance. You will pay
no more, and probably a lot less, using our services than an online
Martin Unger - President
health insurance - If you need Florida coverage,
check our sister site.
Health Insurance Quotes | Dental
Insurance Plan | Temporary
| Contact Us