With laws changing and options narrowing, health insurance can be frustrating and confusing.
We help you find the best plan at the best possible price. We always keep up with the changes so you don’t have to. At Carolina Insurance Advisors we will get your questions answered, find a plan that fits your needs and budget and we simplify the enrollment process. We are here every step of the way and throughout the year.
Traditional Health Insurance
Otherwise known as Obamacare, traditional health insurance covers all pre-existing conditions, all basics of healthcare including mental health and subsidies to offset the premiums costs are available.
We work with you to ensure you are getting the largest subsidy you are entitled to and we make the enrollment process simple and fast.
However, the downside of traditional health insurance is if you do not qualify for a subsidy, the premiums can be significantly high. In these instances many look into Healthshare Care and Short term care.
Healthshare care are religious based healthcare programs. The benefits are usually substantial cost savings compared to non subsidized traditional health insurance options, can have larger networks, and still cover most of what the average person needs including preventative care, doctor copay visits and hospitalization.
While many feel the coverage is adequate for the usually large savings in premiums, there are limitations. Most plans do not cover pre-existing conditions for the first 2 years, some however do, and generic drugs usually aren’t covered.
Short term & Catastrophic Care
Short term care is usually 1-3 month plans to help fill gaps in coverage. It is usually inexpensive and mostly covers major medical situations.
Catastrophic care is offered to help with just either hospitalization or Doctor care, and is usually low cost and designed to limit your out of pocket expenses in the event of a medical need.