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North Carolina Short Term Health Insurance
Short Term Health Insurance in North Carolina refers to medical insurance that provides protection against unexpected health care expenses. In North Carolina, policies can be purchased from 30 days to 3 years.
The application process is simple - only a few qualifying questions to answer. Coverage can begin as early as the next day.
Interesting Fact: Medicare and Medicaid in America account for more than 1 of every 3 dollars spent on American health care, and 1 of every 4 dollars in the federal budget.
What is astounding is the fact that the cost of Medicare is still growing. Currently, the cost is growing at more than twice the rate of inflation. This growth curve is expected to become even more dramatic as the baby boomers age.
What is Short Term Health Insurance?The first thing to do is define short term health insurance. There are two parts to this: What short term health insurance was, and what short term health insurance is now.
In the not too recent past, short term health insurance was designed just for short term situations. The health insurance term duration ranged from several months to a year.
Today's short term health insurance plans are quite different. In North Carolina, many short term health insurance plans offer doctor visit copay benefits, preventative services, prescription drug benefits, and more. There are now short term health plans available in North Carolina that can be held for up to three years before a new application is needed.
The short term medical insurance benefit structure is beginning to look a lot like traditional health insurance plans. North Carolians have noticed. Short-term health insurance is becoming an ideal health insurance solution for a growing number of North Carolina families.
Interesting Fact: In studies, the artificial intelligence (AI) technology used in some online health services for preliminary screening before connecting patients with a doctor actually outperformed real physicians in terms of reaching an accurate diagnosis, CNN reported. AI technology correctly diagnosed conditions in 81 percent of patients, compared to a 72 percent average for accurate diagnoses among real physicians over a five-year period.
Short term health insurance is not for every circumstance. It lacks several of the guaranteed benefits that are part of the Affordable Care Act portfolio of plans. However,
There are several notable advantages.- Affordability. Traditional Health insurance options can be very costly. A short term health insurance plan will likely be a more affordable solution.
- Employment Gap. If you receive health insurance through your employer and are between plans or jobs, short-term health insurance can help cover you and your family for the interim.
- Network. If you live in an area with few healthcare providers, short-term insurance may help expand your options.
- Near immediate coverage. In most cases, you can qualify and be covered by a short term health insurance plan within 24 hours.
UNC REX Hospital
4420 Lake Boone Trail
Raleigh, NC 27607
Phone: (919) 784-3100
Plus Code: R78W+XR Raleigh, North Carolina
Find: Map
Speaking with a true health insurance specialist will help you determine if a North Carolina short term health insurance plan is the right choice for you and your family. Give us a call today.
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