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Health Insurance Quotes Nc Question & Answers

2014 April 12
by Sarah Fields

Susan asks…

Health Insurance for Newborn Baby?

I get health insurance through my job but I think I can get a better quote than what they offer if I go about it independently. What suggestions do you all have in terms of a good health insurance coverage? Is it best to have a higher deductible and lower premium or vice versa for a newborn? I want what will be the best for him but the most affordable for us. Thanks! :)

Sarah Fields answers:

If you haven’t had your baby yet you should consider the group option to err on the side of caution. Laws vary by state, but in NC an insurance company is required to cover a newborn if the parent currently has a policy and adds the newborn within the first 30 days after birth. This will protect you if your baby has any birth defects (I know you don’t want to think about that).

If your baby is already born, individual health insurance policies tend to be less expensive than group policies because they are underwriten based on the applicants health whereas group policies must accept everyone.

Deciding how rich your benefits are is a personal preference. Generally, the higher the premium, the more predictable your day to day expenses are because you have higher benefits. The lower your premium the more exposed you are to a large claim.

For babies, make sure your policy covers well baby visits and immunizations as you will have alot of these in the beginning. Also, if you are a first time parent, make sure there is no limit on the number of office visits. Also make sure ER visits and urgent care have copays because you may be making some late night frantic visits to make sure your little loved one is ok.


Health insurance laws vary from state to state. I am a health insurance broker and send the vaste majority of my business through Blue Cross Blue Shield NC. I accept no liability whatsoever for this comment, whether it was caused by: 1. Accessing or other related actions to this comment. 2. Any links, and/or materials provided/attached to this comment. I assume that all users understand risks involved within this comment and/or its attached materials.

Donald asks…

Why can’t libs see that cons ‘war on women” is fake, even though their actions contradict that statement?

Sarah Fields answers:

Hmm…maybe because of things like this:

–a record number of reproductive health and rights-related provisions, over 1,000 this year, 950 last year, in 30 separate states.

–70% of those provision were to restrict access to LEGAL abortions, including “personhood” bans, required 3-day waiting periods, forced medically unnecessary ultrasounds (including ones involving shoving a probe into the vagina), forbidding insurance companies from covering abortion, draconian clinic regulations.

–while most of these attacks revolve around women’s reproductive rights, they also veer off into more general areas, including a Fox News contributor who says women in the military should “expect” to be sexually assaulted.

–A GOP bill that would require women to prove to their employers that they are taking birth control for medical reasons and not simply to prevent pregnancy.

–A bill to publish the names and addresses of doctors performing abortions, as well as the women. (Tennessee)

–A law that removes Planned Parenthood from Medicaid in Texas, thus removing all Medicaid funds for family planning in the state.

–A bill requiring doctors to tell women of the link between breast cancer and abortion, which has been proven to be false.

–Congressional Republicans refusing to renew the Violence Against Women Act (which has been renewed for the past 15 years).

–A bill banning sex education in schools. (Utah)

–Quotes like this:

“”I would hope that when a woman goes in to a physician with a rape issue, that physician will indeed ask her about perhaps her marriage, was this pregnancy caused by normal relations in a marriage” Republican Rep Chuck Winder

Regarding abused women, GOP Rep Pridemore: “If they can refind those reasons and get back to why they got married in the first place it might help.”

“If these young women are being responsible and didn’t have the sex to begin with, we wouldn’t have this problem to begin with.” NC Republican Ted Davis

Maine state Rep. Lance Harvell questions why pap smears are covered by insurance.

Oh, so many more (101 on this list alone) for your reading pleasure:

Mary asks…

My health insurance access rights…?

I want to get details about what my insurance is making me pay, basically to make sure they’re not shafting me in any way. Anyone know how I can do that or what access rights I have in NC?

Sarah Fields answers:

You have no “access rights” outside of a possible group policy through your employer. Just like you have “rights”, the insurance companies have “rights”, and they don’t HAVE to sell you a policy if they don’t want to. They don’t even have to tell you WHY they don’t want to sell you a policy.

Regarding your rates – the best way to tell that you’re getting a fair rate, is to quote your coverage out elsewhere. Shop around. Call a few places, get some quotes.

If you’re 25 and healthy, though, a low deductible plan is GOING to cost you $300 a month. That’s just how much it costs. If you’re older, fat, or less healthy, it’s either going to cost you a lot more, or they flat out won’t give you the coverage.

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