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Health Insurance in Durham North Carolina
| Rate Quotes |
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Durham, NC Health Insurance Quotes from Blue Cross Blue Shield of NC
Blue Options HSA sm pairs a high deductible health plan (HDHP)
with a health savings account (HSA) to achieve lower premiums
and savings as much as 34% off Blue Advantage.2, 3, 4 Preventive
care services cover policy holders at 100% including routine
physicals and screening tests.5
with a health savings account (HSA) to achieve lower premiums
and savings as much as 34% off Blue Advantage.2, 3, 4 Preventive
care services cover policy holders at 100% including routine
physicals and screening tests.5
Blue Advantage offers 3 plan types which allow you to select the
benefits and deductible that works best for your situation, with
costs as low as $15 for office visit co-payments and $10 for
generic prescription drugs.1
benefits and deductible that works best for your situation, with
costs as low as $15 for office visit co-payments and $10 for
generic prescription drugs.1
Blue Cross and Blue Shield of North Carolina's
high-deductible health plan (HDHP)
high-deductible health plan (HDHP)
- Low premiums, easy payment options
- Checkups and cleanings covered twice a year
- No deductible and no waiting for preventive services
- Coverage for fillings, gum treatments, crowns and more
- Choose your own dentist
- Coverage for you and your family
Quality coverage for individuals and families
The most popular PPO plan from Blue Cross Blue Shield
of North Carolina
of North Carolina
Durham, NC Health Insurance
9% of males living in Durham, NC, in 2008 were working for the healthcare industry. 22% of females in Durham were employed in healthcare also. According to
my estimates, it is not likely that the median price per household in Durham for health insurance is more than 15.5%. I generated this number by averaging 22%
and 9% and guessed that male and female employment statistics were generally equal and that the median salary of employees of the healthcare industry in
Durham was normal for the region. My summary is that healthcare costs do not slow down economic growth in the region. This conclusion is founded on the idea
that the price of health insurance for the insureds of the Durham NC region do not exceed the economic benefit supplied by the income of employees of the
healthcare industry. This assumption does not account for the positive effect of health insurance agents and the benefit of risk pooling derived from their work.
Neither does it include the benefits of higher quality of life and longer lifespans, promoted by the healthcare industry.
Truly, health insurance in Durham North Carolina is as problematic an issue as most places in the country now. Generally, it is less expensive for a person to have
health insurance through their employer. This is not caused by lower rates from group plans, on the the contrary, in my past experience, in Durham and other
places in the state, group health insurance is usually more costly than individual health insurance. This is a result of of group health insurance being guaranteed
issue. Even those who have expensive health issues are offered group insurance. Additionally, group health insurance policies in Durham are only permitted to
vary the final rates by 25% plus or minus from the middle base rate. By restraining the range of rates, the total rates are pushed higher.
Many employers in Durham have been pulling back on dependent benefits to try to rein in health insurance costs. Many employers are covering 50-100% of the
employee premium, and leaving premiums for dependents and spouses to be paid by the employee without subsidy. When I happen upon cases like these among
residents of Durham NC, I usually recommend that the children and spouse apply for individual health insurance policies as a measure of cost effectiveness. As a
general rule, group health insurance is usually less expensive for people with poor health while individual policies tend to be cheaper for insureds who are in better
than average health. Individual policies tend to be more competitive for health applicants in Durham because they have more rating flexibility and they also have
the choice of declining applicants. Presently, applicants who are declined in Durham NC may be insured by the risk pool in this state called Inclusive Health. The
purpose of which is to provide coverage for those who would have no other options for heath insurance.
9% of males living in Durham, NC, in 2008 were working for the healthcare industry. 22% of females in Durham were employed in healthcare also. According to
my estimates, it is not likely that the median price per household in Durham for health insurance is more than 15.5%. I generated this number by averaging 22%
and 9% and guessed that male and female employment statistics were generally equal and that the median salary of employees of the healthcare industry in
Durham was normal for the region. My summary is that healthcare costs do not slow down economic growth in the region. This conclusion is founded on the idea
that the price of health insurance for the insureds of the Durham NC region do not exceed the economic benefit supplied by the income of employees of the
healthcare industry. This assumption does not account for the positive effect of health insurance agents and the benefit of risk pooling derived from their work.
Neither does it include the benefits of higher quality of life and longer lifespans, promoted by the healthcare industry.
Truly, health insurance in Durham North Carolina is as problematic an issue as most places in the country now. Generally, it is less expensive for a person to have
health insurance through their employer. This is not caused by lower rates from group plans, on the the contrary, in my past experience, in Durham and other
places in the state, group health insurance is usually more costly than individual health insurance. This is a result of of group health insurance being guaranteed
issue. Even those who have expensive health issues are offered group insurance. Additionally, group health insurance policies in Durham are only permitted to
vary the final rates by 25% plus or minus from the middle base rate. By restraining the range of rates, the total rates are pushed higher.
Many employers in Durham have been pulling back on dependent benefits to try to rein in health insurance costs. Many employers are covering 50-100% of the
employee premium, and leaving premiums for dependents and spouses to be paid by the employee without subsidy. When I happen upon cases like these among
residents of Durham NC, I usually recommend that the children and spouse apply for individual health insurance policies as a measure of cost effectiveness. As a
general rule, group health insurance is usually less expensive for people with poor health while individual policies tend to be cheaper for insureds who are in better
than average health. Individual policies tend to be more competitive for health applicants in Durham because they have more rating flexibility and they also have
the choice of declining applicants. Presently, applicants who are declined in Durham NC may be insured by the risk pool in this state called Inclusive Health. The
purpose of which is to provide coverage for those who would have no other options for heath insurance.
1 Refers to Plan A, Preferred Tier, policy form number M58, 7/07
2 Blue Cross Blue Shield of NC (BCBSNC) does not administer your HSA and is not affiliated with your HSA custodian or administrator. Your HSA custodian is
Mellon Trust of New England, N.A.
3 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov for specific regulations.
4 Blue Cross and Blue Shield of North Carolina (BCBSNC) Internal Data, 2009: Based on Blue Advantage $2,500 deductible with 80% coinsurance and Blue
Options HSA $2,000 deductible with 80% coinsurance. Pricing is for a single male, age 40-44, residing in Wake County.
5 Includes in-network annual routine physical exam, well-baby and well-child care and certain immunizations and screenings. Other covered services may be
subject to deductible and coinsurance. Members who receive covered services out-of-network may be required to pay the difference between the provider's actual
charge and the Blue Cross Blue Shield NC (BCBSNC) allowed amount, in addition to the coinsurance amount.
2 Blue Cross Blue Shield of NC (BCBSNC) does not administer your HSA and is not affiliated with your HSA custodian or administrator. Your HSA custodian is
Mellon Trust of New England, N.A.
3 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov for specific regulations.
4 Blue Cross and Blue Shield of North Carolina (BCBSNC) Internal Data, 2009: Based on Blue Advantage $2,500 deductible with 80% coinsurance and Blue
Options HSA $2,000 deductible with 80% coinsurance. Pricing is for a single male, age 40-44, residing in Wake County.
5 Includes in-network annual routine physical exam, well-baby and well-child care and certain immunizations and screenings. Other covered services may be
subject to deductible and coinsurance. Members who receive covered services out-of-network may be required to pay the difference between the provider's actual
charge and the Blue Cross Blue Shield NC (BCBSNC) allowed amount, in addition to the coinsurance amount.
Goebelt Insurance Services, Inc. and David Goebelt are an independent authorized agency/producer licensed to sell and promote products from Blue Cross and
Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Goebelt Insurance Services, Inc. Blue Cross and Blue Shield of North
Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Goebelt Insurance Services, Inc. Blue Cross and Blue Shield of North
Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
| David Goebelt Authorized NC Agent 800-918-1158 |