North Carolina Health Insurance
As a resident of North Carolina, you have plenty of North Carolina health insurance options to choose from. There are multiple insurance companies in North Carolina that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in North Carolina. See some of the state’s top health insurance companies and read about the important North Carolina health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public North Carolina health insurance programs.
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If you would like to get free quotes and compare North Carolina health insurance plans now, start with our simple form on the right.
Resources on this page
North Carolina Health Insurance Companies
North Carolina Health Insurance Laws and Regulations
Public Health Insurance Programs for North Carolina Residents
Contact Info for the North Carolina Department of Insurance and Department of Health Services
The following list of companies offer health insurance plans in North Carolina:
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Golden Rule Health Insurance
Golden Rule Insurance Company serves almost 50 million Americans, providing affordable and customized health insurance plans.
Humana Health Insurance
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
World Insurance - Brokerage Health Insurance
World Insurance - Brokerage is a leading provider of affordable health insurance options. Their plans provide comprehensive coverage and access to an extensive network of doctors and hospitals.
ANTEX Health Insurance
ANTEX has evolved into one of the strongest insurers in the country. They offer a wide variety of insurance solutions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
WorldIns - ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Golden Rule Platinum Health Insurance
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
North Carolina Health Insurance Laws and Regulations
North Carolina health insurance law requires all health plans to cover certain medical care services. They include:
- Care for some medical clinical trials
- Screening for breast, colorectal, cervical, prostate, and ovarian cancer
- Care for pregnant women
- Newborn baby health screening
- Contraceptives if a health plan covers prescription drugs
North Carolina health insurance companies must also follow mental health parity, where mental health conditions are covered equally to physical health conditions.
Most North Carolina health insurance companies may accept applications and set premiums based on health status, but Blue Cross and Blue Shield is required by state law to accept all applicants.
Some individuals with pre-existing health conditions who recently left a group health plan with an employer may be HIPAA-eligible. Under this federal law, North Carolina health insurance companies are not allowed to impose restrictions on coverage or deny applications.
North Carolina Public Health Insurance Programs
These public North Carolina health insurance programs are available for low-income residents who cannot obtain coverage on their own:
- Medicaid
North Carolina Medicaid is designed for some low-income and disabled residents. To learn more about the state's Medicaid program, visit them online. - North Carolina Health Choice for Children
This program is designed for children who do not qualify for Medicaid, but their families cannot afford health insurance. Learn more about this North Carolina health insurance program for children online. - North Carolina Breast and Cervical Cancer Control Program
Low-earning women living in North Carolina can receive free screening for breast and cervical cancer under this program. To find more information about this North Carolina health insurance for women, contact Chronic Disease and Injury Section of the North Carolina Department of Health and Human Services.
Early retirees and trade workers in North Carolina might also be eligible for the Federal Health Coverage Tax Credit. To learn more visit the program's website.
North Carolina Department of Insurance and Department of Health and Human Services
Find the contact information for the North Carolina health insurance and health and human services departments at:
North Carolina Department of Insurance
Dobbs Building
430 N. Salisbury St.
Raleigh, NC 27603-5926
Phone: (800) 546-5664
http://www.ncdoi.com/
North Carolina Department of Health and Human Services
101 Blair Drive
Raleigh, NC 27699
Phone: (919) 733-4534
http://www.dhhs.state.nc.us
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