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Simplifying Health Insurance, One Plan at a Time

At NC Insurance Guy, we understand that finding the right health insurance plan can be overwhelming. That's why we're here to help you navigate through the options and find the plan that fits your budget. We make the process easy by searching plans from major insurance companies, ensuring that you have access to quality, affordable options. With our expertise and personalized assistance, you can rest assured knowing that we have your best interests in mind. Let us simplify the complexities of health insurance and guide you towards a plan that provides the coverage you need.

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Dental Insurance

A dental insurance plan can help cover diagnostic exams and preventive services, such as cleanings. It can also help cover costly restorative procedures for issues like cavities and injuries. Compare plans online or contact a local, licensed insurance agent with HealthMarkets who can recommend dental insurance plans to match your needs.

Vision Insurance

Taking care of your eyes before a problem develops or gets worse can be vital. Supplemental vision insurance can help you and your family maintain good eye health by helping to cover the costs.
Vision insurance acts as a supplement to your health insurance by providing benefits not covered under your major medical plan.

Short Term

Find the right coverage in a time of transition. form of coverage that provides medical services during transitions between (or gaps in) major medical insurance. Immediate short-term health insurance policies can cover you for up to one year (364 days to be exact), and you can renew them for almost 3 years.

Hospital Confinement Plans

No matter how good your medical insurance, if you are hospitalized for an injury or illness there will probably be medical expenses and out-of-pocket costs that aren’t covered. Maintaining your financial security includes planning for costs related to hospitalization. A hospital confinement supplemental insurance plan generally pays a daily cash benefit directly to you when you are in the hospital. The money can be used to pay unexpected medical costs or everyday living expenses.

Types of Health Plans

Health Savings Account (HSA)

A type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall healthcare costs. HSA funds generally may not be used to pay premiums.
Health Maintenance Organization (HMO)

A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
Point of Service (POS)

A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
Preferred Provider Organization (PPO)

A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.
Health Reimbursement Arrangement (HRA)

Employer-funded group health plans from which employees are reimbursed tax-free for qualified medical expenses up to a fixed dollar amount per year. Unused amounts may be rolled over to be used in subsequent years. The employer funds and owns the arrangement. Health Reimbursement Arrangements are sometimes called Health Reimbursement Accounts.
Medical savings account (MSA)

This is a special type of savings account. Medicare gives the plan an amount of money each year for your health care expenses. This amount is based on your plan. The plan deposits money into your MSA account once at the beginning of each calendar year. Or, if you become entitled to Medicare in the middle of the year and join a Medicare MSA Plan at that time, the plan will deposit the money into your account the first month your coverage starts.
Medicaid

n all states, Medicaid provides coverage for some low-income people, families and children, pregnant people, the elderly, and people with disabilities.

Mandatory benefits include services including inpatient and outpatient hospital services, physician services, laboratory and x-ray services, and home health services, among others. Optional benefits include services including prescription drugs, case management, physical therapy, and occupational therapy.