Charlotte, NC Health Insurance Plans for Families in 2018

Charlotte, NC and the surrounding cities and counties continue to grow at a rapid pace. When news outlets and publications come out with the best places to live in America or the fastest growing cities, Charlotte is almost always on the list. This means there are tens of thousands of families moving to the area every single year. A large percentage of these families will be looking for a Charlotte, NC health insurance company with agents that are willing to meet them face to face.

As we continue to advance with technology, more and more millennials are looking on their computer when it comes to financial services. Unfortunately, this type of communication is very broken. There is no way to ask specific questions and you may have no clue what is written into your specific family insurance policy. When it comes to health insurance, you want to be confident that your family will be covered in an emergency or any time of sickness. There is nothing more frustrating than being very sick and then having to pay the full doctor bill.

Fortunately, the agents of The Mair Agency are willing to go above and beyond to make certain you know what type of insurance policy you are signing up for. As BCBSNC agents, they have a great deal of knowledge when it comes to family insurance policies. Whether you are looking for self employed health insurance or temporary health insurance, there are options available for you.

While researching on the Internet is not a bad option when it comes to most financial products, we strongly suggest using actual health insurance agents to answer questions you may have. These agents will provide a wealth of knowledge that you will likely not get by reading online resources. There are some great health insurance agents in Charlotte, North Carolina so do not pass up on the opportunity to make your life easier in the future.

Raleigh, NC BCBSNC Health Insurance Options

Raleigh, North Carolina is home to thousands of people looking for self employed health insurance, medicare, or general family insurance. While some will go through the Affordable Care Act or HealthCare.gov others will seek out a health insurance agent that has decades of experience.

When looking for a Raleigh, NC BCBSNC health insurance agent, look no further than Daniel Turner at The Mair Agency. Daniel has years of experience as he grew up in the industry. With a father that owns a health insurance agency, it comes as no surprise that Daniel is one of the most knowledgeable health insurance agents in all of the Triangle.

Most people that think of health insurance in Wake County think about Blue Cross Blue Shield of North Carolina. While this is not the only option, it is the most commonly searched for health insurance amongst residents of Raleigh and surrounding cities. Note that there are a few different BCBSNC plans that are available in the Raleigh area.

Do not feel as if you are limited to one plan with WakeMed, Duke Health or one of the other hospitals. If you are looking to find out what is covered with a specific health insurance plan, we strongly suggest calling The Mair Agency today at 919-459-2683 or 855-ITS-BLUE (855-487-2583). Mr. Daniel Turner or one of the other agents that work in the Raleigh area will be sure to get back to you as soon as possible.

What is also great about The Mair Agency is the fact that agents will be willing to meet you at a location of your choice. If you want to have lunch downtown, go to Brier Creek to shop or simply want them to come to your home, they will be able to do that. This will make it very easy to ask any questions you may have when it comes to which prescriptions are covered, what hospitals are in the network and what happens in an emergency situation.

Before assuming you will have the coverage you need with a specific plan, reach out to a Raleigh, NC health insurance agent today. This will allow you to be 100% certain you have the plan that is right for you. There is no reason to be paying hundreds of dollars a month on a health insurance plan that does not cover the costs of your medical bills.

Wilmington, North Carolina Health Insurance Agencies in 2018

There are many residents of Wilmington, NC and surrounding areas that are looking for health insurance information or to get a rate quote. Fortunately, there are a few options that are available. You can find some fo the more high quality agents and agencies at this link. Here they are in list form:

  • Schnitzer-Slate Insurance Agency
  • Blue Chip Health Insurance
  • Blue Cross Blue Shield of North Carolina – The Mair Agency
  • James E. Moore Insurance Agency
  • Coastal Insurance Providers
  • Blue Coast Insurance
  • Pinnacle Benefits Group

Remember, when seeking the best Wilmington, NC health insurance agent or agency it would be advisable to look at several different options. We have contacted several agencies and must say that Wayne Oliver of The Mair Agency exceeded all of our expectations. In fact, this is who we would recommend.

The best agents are willing to discuss any and all options that are available in terms of health insurance. Whether you are 25 and just getting started in your career or you are 61 and about to retire, there are a number of different health insurance providers that can offer you coverage “you can count on”.

Rather than having to worry if a prescription is covered or if you can go to a specific hospital or clinic, a health insurance agent should make certain you are within your network when signing up for a plan or using a specific provider. This is why Wayne Oliver of The Mair Agency was so helpful. He went out of his way to discuss all the hospitals and local clinics in the Wilmington, North Carolina area.

He even mentioned those that have a second home or plan to retire to the area. This is something that is very useful and is not thought of by other agents in the area. Taking the time to get to know your clients is a very important part of being an outstanding health insurance agent.

919-230-7887 Phone Number Has Left a Voicemail – Is It Real or Spam?

In the months of December 2017 and January 2018 there is a chance you could be contacted by the phone number 919-230-7887. When most people see a phone number they do not know, they immediately think it is spam or a telemarketer. Some even think it is a financial company such as a credit card company trying to get information to offer them a credit card or personal loan. If you receive a phone call or voicemail from this phone number you can be rest assured it is a real company in the state of North Carolina. It is The MAIR Agency, which is a very highly rated health insurance agency that can help you better understand the questions you may have related to your insurance plan.

This is a fantastic service for those that are very confused about their 2018 insurance. You may be looking for medicare supplements, individual or family plans or just want to know what Blue Cross Blue Shield of North Carolina (BCBSNC) offers for you and your family. Their agents are more than willing to offer you this valuable information at no cost.

You may also wonder why they are leaving a voicemail even if you didn’t hear your phone ring. With today’s cell phone coverage, it is often the case that service goes in and out. We have noticed that more and more calls are getting directly sent to voicemail if the cell coverage is not strong. It may also have been the case that you were on the phone or your phone was turned off. Either way, know that The MAIR Agency at 919-230-7887 is a real company and a real person.

When is the Last Day to Get Healthcare During Open Enrollment 2017?

Open enrollment is a time period when you can enroll in an employer or individual health insurance plan. The open enrollment period in 2018 is shorter than it way in previous year. It began on November 1, 2017 and will run until December 15, 2017. As long as you enroll by December 15, 2017, you can enjoy coverage beginning on January 1, 2018.

In the event you miss the deadline and do not qualify for a Special Enrollment Period or SEP, you will have to stay on your current plan until 2019 open enrollment begins. You may qualify for SEP, if a life event prevented you from meeting the deadline. Qualifying life events include the loss of health insurance through Medicare eligibility or a job, household changes such as marriage or divorce, and a change in your home address. If you do qualify for SEP, you must enroll in a plan in 60 days.

Prior to enrolling in a plan, you should consider your health as well as the health of your family members. Then, look at the coverage, deductible, copayments, and coinsurance details of a variety of plans to select the one that makes the most sense for your situation.

For assistance with enrolling in a health insurance plan for 2018, contact MAIR Agency today. We make it easy for you to compare health insurance plans by outlining the different coverages, deductibles, copayments, and coinsurance requirements of each so that you can determine which one is right for you and your family.

What If I Can’t Get Insurance Before Open Enrollment Closes in 2017?

This year, you have until December 15, 2017 to enroll in a new insurance plan. Once you enroll, you can expect your coverage to begin the 1st of the new year. If you are unable to get insurance before December 15, 2017, don’t panic because you may have options.

You may qualify to enroll during a Special Enrollment Period or SEP which is a time period outside of the annual Open Enrollment Period in which individuals who have had a qualifying event or circumstance in their life may sign up for health insurance coverage. If qualify for SEP, you will have up to 60 days after the qualifying event or circumstance has occurred to enroll in a plan. Qualifying life events and circumstances include:

  • Health insurance coverage loss
  • A change in household size due to a marriage, divorce, death, etc.
  • A change in your address
  • Becoming a U.S. citizen
  • Starting or ending your AmeriCorps service
  • Being released from incarceration
  • Being a member in a tribe that is now federally recognized

If you do not qualify for SEP, you should find out whether you are eligible for Medicaid as you can apply for this program at any time. To determine if you can apply for Medicaid, you should go to https://www.healthcare.gov/screener/. You may also apply for the Children’s Health Insurance Program at any time if you qualify.

In the event you do not qualify for SEP, Medicaid, or the Children’s Health Insurance Program, you may consider applying for a short term policy to protect yourself and your family for 3 months. If you don’t purchase a short term policy, you will have to wait until the next open enrollment period to enroll in a plan.

If you have missed the open enrollment deadline and would like some assistance on how to keep yourself and your family insured, you should reach out to the MAIR Agency as soon as possible.

  • Becoming a U.S. citizen, national, or lawfully-present individual
  • Being released from incarceration
  • Starting or ending your AmeriCorps service
  • Being an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Being a member in a federally-recognized tribe
  • Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP)

Is Marcus Turner of the MAIR (MARE) Agency Real or Legit? Why is He Calling?

You may have received a phone call or voicemail from Marcus Turner of The MAIR Agency in the last few days. You may have search for Mare Agency if you are not certain the name of the actual company. So, is Marcus Turner real and legit? The answer is yes! The MAIR Agency is a local North Carolina BCBSNC health insurance agency and they are offering assistance when it comes to better understanding open enrollment for healthcare and medicare. If you have any questions related to your current healthcare insurance or the 2018 insurance you are thinking about signing up for call Marcus Turner at 919-459-2683.

You may wonder how Marcus Turner is in your voicemail without you having received a phone call. It is very likely the case that your phone was either off or out of service range when the call came through. This is becoming very common with the modern smartphones such as an iPhone or Android smartphone. If you are unavailable, it will kick the call straight to voicemail.

Rather than trying to understand healthcare open enrollment all on your own, we suggest giving Marcus Turner a call and he can assist with all your questions and concerns. It is much easier to talk to an experienced agent that can explain your options in laymen’s terms. You can also comment below if you have any questions related to 2018 open enrollment.

Are There Changes to Blue Medicare HMO by BCBSNC Provider Network in 2018?

If you live in North Carolina and have a Blue Medicare HMO by BCBSNC insurance plan, you should note that there are changes to the provider network for 2018. To determine whether your providers are in the BCBSNC network for the upcoming year, you should take the time to review the 2018 Provider Directory that you can request and receive in the mail. You can also visit http://www.bcbsnc.com/content/medicare/member/index.htm.

It’s essential to understand that BCBSNC may make changes to the providers that are part of the plan throughout the year. In the event that your doctor or specialist does leave your plan, you have the following rights:

  • Although the BCBSNC provider network may change throughout the year, Medicare requires that you are provided with uninterrupted access to qualified doctors and specialists.
  • If your provider is leaving your BCBSNC plan, you will receive a notice of at least 30 days so that you have ample time to select a new one.
  • If you need assistance selecting a new provider, BCBSNC will be more than happy to help you out.
  • BCBSNC will work with you to ensure that any medical treatment you are undergoing is not interrupted.
  • If you do not believe we have found you a qualified provider to replace your previous one or your care is not being managed appropriately, you may file an appeal of BCBSNC’s decision.
  • Once you find out that your provider is leaving your plan, be sure to contact BCBSNC so that you can receive some assistance in finding a new provider.

Contact The MAIR Agency

The MAIR Agency understands how frustrating it can be to find out that your provider is no longer covered by your insurance plan. Therefore, if you find out that your provider is leaving BCBSNC, contact The MAIR Agency for more information about your rights.

In What North Carolina Counties Can I Get Blue Local with Carolinas HealthCare System?

If you live in the state of North Carolina and are seeking a BCBSNC Blue Local insurance plan with Carolinas Healthcare System it is important to understand this particular plan is only available in certain NC Counties. If you are looking to sign up for this plan for 2018 contact the MAIR Agency today at 919-459-2683. They have a team of experienced agents that can help you understand what options are available in the county you are in.

The counties in which you can get this plan are as follows:

Anson
Cabarrus
Cleveland
Gaston
Lincoln
Mecklenburg
Rowan
Stanly
Union

Once again, it is a important to understand that specific plans are available in different parts of the state. Just because someone you know has a BCBSNC plan in North Carolina it does not always mean it is available in your county. Contact The MAIR Agency today to find out which plans are available for you.

What Poverty Levels Get Tax Credits for Health Insurance in 2018?

The poverty levels that quality for tax credit in the 2018 health insurance marketplace are out. If you want more information and to better understand the tax credits contact The MAIR Agency today at 919-459-2683. They will be able to help you better understand your eligibility for CHIP and Medicaid. This can be very confusing and it is often best to call a North Carolina agency that can assist you with your health insurance. The best agency to call is the MAIR Agency located in Cary, near Raleigh, Durham and Chapel Hill.

Below are the facts:

Federal Poverty Levels are also used to help determine Medicaid and CHIP eligibility and to help determine eligibility for a number of other non-healthcare related assistance programs (see full list and more details on the guidelines below).

  • If you make between 100% – 400% of the Federal Poverty Level you may qualify for premium tax credits on the Health Insurance Marketplace.
    If you make less than 138% of the Federal Poverty Level and your state expanded Medicaid, you may qualify for Medicaid or CHIP.
  • If you make between 100% – 250% of the Federal Poverty Level you may qualify for out-of-pocket cost assistance on Silver plans sold through the Marketplace.
  • Other assistance programs have unique eligibility guidelines.
  • Cost assistance for the Affordable Care Act is based on household income (family income). Household or family income for the purposes of the ACA is MAGI of the head of household (and spouse if filing jointly) plus the AGI of anyone claimed as a dependent. If you are filing as single, count MAGI only.
  • Tax credits can be taken in advance based off of the Federal Poverty Level and are adjusted on form 8962 at the end of the year based on the Federal Poverty Level.