Healthcare News & Stories

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Short Term, Health, Affordable Care Act, Individual/Family

Child Only Health Insurance Coverage Options

As a parent, the right health insurance can provide peace of mind if your child becomes ill, experiences an injury, or requires urgent medical attention. Our agents at Health Plans of NC regularly help families find the right health insurance for their entire family, including recommendations for child-only health insurance.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Individual/Family

What Are The Benefits Of Working With A Health Insurance Agent?

When finding the right health insurance for you and your family, there are many benefits of using a health insurance agent or broker. 
HealthPlans of NC

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Individual/Family

Why Google Reviews Can Help You Find The Right Health Insurance

Did you know that over 50% of online shoppers in the US find customer reviews helpful when searching for products or services online? Using reviews in this way can apply to a range of products and services, with more and more Americans turning to various review sites, including Google, to help make purchase decisions.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Individual/Family

How To Find The Right Health Insurance In Your 20s

If you're about to turn 26, or you've just secured a job that offers health benefits, it's time to consider the right health insurance coverage to meet your needs.  For many 20-somethings, making important decisions about health care when you've never had to worry about health insurance can be confusing. It’s also not necessarily a top priority. But securing the right level of coverage can help protect you, potentially saving you thousands in the long run. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Individual/Family

What Is The Health Insurance Marketplace Circle Of Champions?

The Marketplace Circle of Champions is a yearly program that recognizes all Marketplace-registered brokers and agents' work, service and expertise. These brokers partner with the Centers for Medicare & Medicaid Services (CMS) to help Americans find the best health insurance plans to support their short and long-term health needs.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Health

What Is Expat Health Insurance?

Expat health insurance, also known as expatriate medical insurance, offers health insurance coverage for anyone temporarily living outside of their home country. You can usually tailor your policy to suit your health needs, regardless of where you live. These plans can be an excellent option to provide private health insurance, which can be helpful if it's difficult to source quality healthcare where you live. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Health, Medicare

Drug Pricing Law: How It Affects Your Medicare Coverage

U.S. President Joe Biden recently signed the Inflation Reduction Act authorizing the government to negotiate prices on some prescription drugs and allow the government to cap the costs of Medicare. With over 63 million Americans receiving Medicare health benefits, the law is likely to affect many people throughout the country, including those living in North Carolina. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Health

What Is Travel Insurance & What Does It Cover

If you're lucky enough to be planning a trip, you may be thinking about whether purchasing travel insurance is necessary. To help you decide, consider the costs of not purchasing insurance if something goes wrong and whether you've got the funds to support you. For example, paying for additional accommodation costs if your travel arrangements are delayed or replacing essential items if your luggage is lost or delayed. Learning about what travel insurance covers can help you decide whether it's necessary for your upcoming trip.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medicare Part D Insurance?

Medicare Part D is an optional prescription drug plan for anyone currently enrolled in Medicare. Before its introduction in 2006, many Americans spent thousands of dollars each year covering the costs of their prescriptions.  If you need help finding a prescription plan, our locally based NC health insurance brokers can help. We specialize in assisting people in North Carolina find the best prescription drug plan for their needs.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Dental

What Is Dental Insurance?

Dental insurance is a type of health insurance to help cover costs associated with dental care. Dental insurance is separate from typical medical insurance, although many employers can offer employees a combined benefits package that includes medical, dental and vision insurance.  At Health Plans of NC, we specialize in helping people living in North Carolina with their health and dental insurance needs. Our knowledgeable agents can discuss your needs and determine the best dental insurance plans to meet your circumstances and budget. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Group

What Is Group Health Insurance?

Group health insurance plans provide coverage to a group of members, typically company employees or members of a specific organization. Members of a group health plan usually receive insurance at a reduced premium because the risk to the insurer is spread across all policyholders and employers often pay a portion of it for their employees as an added benefit.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Health

Everything You Need To Know About Vision Coverage

A good health insurance plan can help cover unexpected medical costs and prescriptions. In addition, ensuring you've got the right level of coverage to help protect your vision can be essential if you or your family are likely to need regular visits to the eye doctor. At Health Plans of NC, we specialize in assisting residents throughout North Carolina. Our dedicated and experienced health insurance agents can talk you through some of the best vision insurance plans available to get you the coverage you need. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Individual/Family

Why Choose A Local Health Insurance Agent

Using a local agent or broker can offer plenty of benefits if you're in the market for a new health insurance plan. Not only can you access quotes for plans that support your future medical needs, but getting advice from someone nearby can mean they understand the nuances of different plans specific to North Carolina. At Health Plans of NC, our experienced agents know how to find the best health insurance plans for North Carolina residents. 
HealthPlans of NC

Heath Plans of NC, Kelly Quinn

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Medicare

What Medicare Covers When Traveling

With many people finally able to start planning for travel again after Covid-19, it's essential to consider your health insurance coverage while you're away. While there's nothing like exploring new places, being prepared for any unexpected costs is necessary to ensure you're not left significantly out of pocket on your vacation.  Where you're traveling, and the type of Medicare policy you have can impact your coverage while you're away. It can also be a good idea to purchase additional insurance depending on your coverage. If you have any questions, a local health insurance agent can help you decide on the right policy for you, so you can rest assured and enjoy your trip.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Individual/Family

What Is Short Term Health Insurance?

Short-term health insurance provides temporary coverage that typically lasts from a few months to a year. This type of health plan isn't regulated by the Affordable Care Act (ACA), so they're not required to provide the minimum essential health benefits other plans mandated by the ACA do. If you're in between health insurance plans, short-term health insurance can be an affordable option if you're looking for health coverage. Depending on your circumstances, short-term plans can even be more affordable than a major medical plan. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medigap Plan M?

Medigap Plan M is a type of Medicare Supplement Plan offering basic coverage to help cover the gap for costs not covered by Original Medicare Part A and Part B. It provides a low monthly premium, but you must pay for half of your hospital deductible and 100% of your yearly outpatient deductible. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medigap Plan L?

Medigap Plan L is a type of Medicare Supplement Plan. This plan helps cover the gaps not covered by Original Medicare, such as deductibles and coinsurance. In addition, Medigap Plan L provides a lower premium if you're willing to share some of your health care costs with your insurance provider. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medigap Plan K?

Medigap Plan K is a basic Medicare Supplement plan, offering similar benefits to other types of plans but with lower premiums. Purchasing a Medigap Plan K also provides you with a cap on your out-of-pocket maximum. A Medigap Plan K plan supplements Original Medicare Parts A and B.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medigap Plan D?

Medigap Plan D is a Medicare Supplement Plan that helps cover the gaps in coverage not covered by Original Medicare. There are 10 different Medigap plans available in North Carolina. Medigap Plan D offers more coverage than Medigap Plan A or Medigap Plan B, but not as many benefits as you can get if you purchase Medigap Plan C, Medigap Plan F, or Medigap Plan G. It's important to realize that Medigap Plan D is a different plan from Medicare Part D, which provides coverage for prescription drugs. Though their names are very similar, Medigap plans do not provide coverage for any prescription drugs. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medigap Plan A?

Medigap Plan A refers to coverage that helps you pay for some out-of-pocket costs from Original Medicare, including Medicare Part A (Hospital) and Part B (Medical.) Medigap Plan A is also known as Medicare Supplement Insurance Plan A. It shouldn't be confused with Medicare Part A, a different plan that offers distinct benefits. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medigap Plan B?

Medigap Plan B is a standardized Medicare Supplement plan. In North Carolina, you can choose from 10 different Medigap policies to supplement Original Medicare Parts A (Hospital) and B (Medical.) Although Medigap Plan B sounds similar to Original Medicare Part B, they are not the same and offer different levels of coverage.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is Medigap Plan C?

A Medigap Plan C is a health insurance plan covering almost all of Original Medicare's coinsurance requirements, except for excess charges relating to Medicare Part B. Medigap Plan C is also known as Medicare Supplement Insurance Plan C.  As of January 1, 2020, Medigap plans sold to people new to Medicare can no longer cover the Medicare Part B deductible.  Because Medigap Plan C covers the Part B deductible, this plan is no longer available to people new to Medicare on or after January 1, 2020. It's important to realize that Medigap Plan C is not Medicare Part C (Medicare Advantage). These are two unique plans with different levels of coverage included. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is High-Deductible Plan G ?

When you're a part of an employer-sponsored high-deductible plan or health savings account plan, you might want to consider purchasing a High-Deductible Plan G supplement also known as a Medigap plan. This plan is similar to the High Deductible Plan F, but it doesn’t provide coverage for your Medicare Part B deductible. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

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Medicare

What Is High-Deductible Plan F ?

If you previously had a health savings account plan or a high-deductible plan through your employer, you may be interested in purchasing a Medicare Supplement High-Deductible Plan F plan, also known as Medigap coverage. High-Deductible Plan F includes the usual benefits you expect from a regular Medigap Plan F. The key difference is that you manage your health care costs until you reach your yearly deductible. After that, your plan works just like a standard Medigap Plan F. Choosing a high deductible for your plan can help reduce your monthly premiums.
HealthPlans of NC

Health Plans, of North Carolina, Kelly Quinn

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