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Fayetteville Insurance - North Carolina Health Insurance (800) 554-9142
North Carolina Health Choice (NCHC) for Children is a free or reduced price comprehensive health care program for children. If your family makes too much money to qualify for Medicaid but too little to afford rising health insurance premiums, your child(ren) may qualify for NCHC. What does NCHC cover?
NCHC covers hospitalization and outpatient care including the following:
■Physician and clinic services
■Laboratory and radiology services
■Surgical services
■Prescription drugs
■Dental services
■Vision
■Hearing
■Durable medical equipment and supplies such as wheelchairs
■Physical therapy, occupational therapy and therapy for individuals with speech, hearing and language disorders
■Hospice care
■Home health care (limited)
■Inpatient mental health services (requires precertification)
■Outpatient mental health services (requires precertification after 26 outpatient visits per year)
■Inpatient substance abuse treatment and outpatient substance abuse treatment (requires precertification)
Special needs children with chronic mental or physical conditions or illness may receive services beyond those listed above if the services are medically necessary (requires precertification).
Health Insurance FAQ: Does my health insurance plan cover maternity?
Maternity laws, in terms of required coverage, are slightly different in every state but most states are very similar. Most health insurance plans do not have a maternity benefit built into the plan as it is not required by state law. Most states do, although, make the insurance companies cover pregnancies that are classified as complicated.
Complicated pregnancies can cost upwards of $100K and incurring this type of cost could cause great financial stress for a young uninsured mother. Maternity is generally an additional benefit that would need to be added on to the original health insurance plan for an added premium amount (normally close to $100 additional per month).
Most health insurance companies also impose a waiting period, sometimes 6 months or even as long as 15 months, before you can conceive. In other words, the health insurance companies require you to purchase and keep your maternity benefit on your plan for that number of months before you can get pregnant.
This is strictly a financial decision on the health insurance company’s part. If there were no waiting periods, women would be purchasing the maternity benefit, keeping it for 9 months and then cancelling, leaving the insurance company high and dry. It is also important to keep in mind, pregnancy is an ineligible condition so if you wait until you are pregnant to buy health insurance, you will not be able to find a health insurance company that will accept your application.
If you find yourself in this situation, the best approach would be to call around to the local doctors and hospitals inquiring about their flat cash fees for pre-natal and delivery. Most providers will offer special fees to uninsured pregnant women. For more information about this topic contact an independant - North Carolina Health Insurance Agent (800) 554-9142
Please comment on North Carolina health insurance reform.
Fayetteville Insurance - North Carolina Health Insurance (800) 554-9142
North Carolina Health Choice (NCHC) for Children is a free or reduced price comprehensive health care program for children. If your family makes too much money to qualify for Medicaid but too little to afford rising health insurance premiums, your child(ren) may qualify for NCHC. What does NCHC cover?
NCHC covers hospitalization and outpatient care including the following:
■Physician and clinic services
■Laboratory and radiology services
■Surgical services
■Prescription drugs
■Dental services
■Vision
■Hearing
■Durable medical equipment and supplies such as wheelchairs
■Physical therapy, occupational therapy and therapy for individuals with speech, hearing and language disorders
■Hospice care
■Home health care (limited)
■Inpatient mental health services (requires precertification)
■Outpatient mental health services (requires precertification after 26 outpatient visits per year)
■Inpatient substance abuse treatment and outpatient substance abuse treatment (requires precertification)
Special needs children with chronic mental or physical conditions or illness may receive services beyond those listed above if the services are medically necessary (requires precertification).
Health Insurance FAQ: Does my health insurance plan cover maternity?
Maternity laws, in terms of required coverage, are slightly different in every state but most states are very similar. Most health insurance plans do not have a maternity benefit built into the plan as it is not required by state law. Most states do, although, make the insurance companies cover pregnancies that are classified as complicated.
Complicated pregnancies can cost upwards of $100K and incurring this type of cost could cause great financial stress for a young uninsured mother. Maternity is generally an additional benefit that would need to be added on to the original health insurance plan for an added premium amount (normally close to $100 additional per month).
Most health insurance companies also impose a waiting period, sometimes 6 months or even as long as 15 months, before you can conceive. In other words, the health insurance companies require you to purchase and keep your maternity benefit on your plan for that number of months before you can get pregnant.
This is strictly a financial decision on the health insurance company’s part. If there were no waiting periods, women would be purchasing the maternity benefit, keeping it for 9 months and then cancelling, leaving the insurance company high and dry. It is also important to keep in mind, pregnancy is an ineligible condition so if you wait until you are pregnant to buy health insurance, you will not be able to find a health insurance company that will accept your application.
If you find yourself in this situation, the best approach would be to call around to the local doctors and hospitals inquiring about their flat cash fees for pre-natal and delivery. Most providers will offer special fees to uninsured pregnant women. For more information about this topic contact an independant - North Carolina Health Insurance Agent (800) 554-9142
Please comment on North Carolina health insurance reform.
