North Carolina
Health Insurance
Consumer Rights under NC State Law
North Carolina Policy Restrictions
North Carolina insurance policies are required to automatically
cover all newborns and adopted children for 31 days, if
the policy already covers dependents. It is important
to know that the insured is responsible for adjusting
the insurance policy to continue coverage of the dependant.
North Carolina insurance policies are guaranteed renewable.
No insurance company can deny a renewal request if the
individual has not violated specified contract terms.
North Carolina Insurance Company Restrictions
Insurance companies in North Carolina do no have policies
that are set by the state. This means they can tailor
their policies how they want. Insurance companies can
choose to cover or not cover certain pre-existing medical
conditions.
This is called Elimination riders, and can be added to
any policy. They can also set higher premiums based on
current and past health conditions and age.
North Carolina does not require an insurance company to
cover all pre-existing conditions. The insurance company
can permanently exclude pre-existing conditions. North
Carolina insurance companies also have the choice to have
a grace period before they pay for pre-existing conditions.
Another option is that they can offer coverage of pre-existing
conditions for a higher premium.
North Carolina Health insurance companies do offer temporary
health insurance policies. This coverage is not guaranteed
renewable.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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