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.