Health Insurance for Children in NC
If you are looking for an individual health insurance policy for your child there are a few things you should ask while getting quotes.
1 – Is the policy guaranteed renewable? Some smaller health insurance companies can choose not to renew your policy if your child were to become ill. This is how they can afford to offer extremely low rates. As with anything else – you get what you pay for. Make sure you read the fine print.
2 – Check the network of doctors and hospitals. Make sure the company you buy from has doctors and hospitals in your area. You may also want to ask your current doctor what companies they accept.
3 – Buy from a broker when possible. Health insurance agents can be valuable in helping you determine what kind of plan you need. More importantly – they are there to assist you should you have trouble with a claim or payment. Since the premium rates are set by the state – their expertise is available at no cost to you. They are your advocate and work for your best interest.
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