Health insurance protects against unexpected medical expenses.
In the United States, health insurance laws are regulated on the federal and state level. North Carolina's laws are similar to other states, but are also subject to federal laws and requirements.
Coverage Requirements
North Carolina requires insurance companies to provide coverage in certain circumstances. This includes coverage for a newborn child under his parents' policy for at least 30 days following birth. Coverage is required by law to be renewable, meaning the policyholder cannot be denied renewal if all contractual obligations have been met. Additionally, North Carolina allows employees to continue employer coverage for 18 months after losing a job.
Pre-Existing Conditions
There are no limits on insurance coverage denials based on pre-existing conditions. The insurance company can choose to charge a higher premium for pre-existing conditions, require a grace period before coverage begins or even exclude coverage of pre-existing conditions altogether.
State Assistance
North Carolina provides consumers with help in purchasing health insurance. Toll-free phone numbers are provided to the public on the North Carolina Department of Insurance website. These helplines provide aid with health insurance denials, senior health care options and other questions. This department can also recommend a reputable health insurance agent.
The Affordable Care Act
North Carolina citizens are not required to carry health insurance. However, the congressional Affordable Care Act will require all Americans to purchase health insurance or else face yearly fines beginning in 2014.
Tags: North Carolina, health insurance, pre-existing conditions, Affordable Care, health insurance
