What is Catastrophic Health Insurance Plan in NC?

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INDEX

• What is Catastrophic Health Insurance?
• What is Hardship Exemptions?
• What Are The Essential Health Benefits
• Is a Catastrophic Health Insurance Plan Right For
  Me?
• What are Free Preventive Services?
• Contact us

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WHAT IS CATASTROPHIC HEALTH INSURANCE?
Catastrophic health insurance is a type of
medical coverage under the Affordable Care Act.
This is a type of high-deductible health plan for
NC residents who are under the age of 30 or have
hardship exemptions may purchase catastrophic
health insurance plans in NC Under a catastrophic
plan, you will generally be required to pay all
of your medical costs up to a certain amount.
Typically, this amount will be several thousand
dollars. Any costs for essential health benefits
over that amount are generally paid by the
insurance company.
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WHAT IS HARDSHIP EXEMPTIONS?
Hardships are financial situations and other
circumstances that keep you from getting health
insurance. If you qualify for a hardship
exemption, you dont have to pay a fee for the
months you were uncovered. Below Are The Common
Hardship Exemptions 1) Homelessness, 2)
Bankruptcy, 3) Domestic violence, 4) Death of a
close relative, 5) Utility services being shut
off, 6) Eviction, 7) Home foreclosure, 8) A fire
or a natural- or human-caused disaster that
results in substantial property damage, More.
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WHAT ARE THE ESSENTIAL HEALTH BENEFITS

1. Ambulatory Patient Services
2. Emergency Services
3. Hospitalization
4. Maternity, Prenatal Postnatal Care
5. Mental Health Substance Use Disorder Services
6. Prescription Drugs
7. Rehabilitative Habilitative Services Devices
8. Laboratory Services
9. Preventive Wellness Services
10. Pediatric Services

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CATASTROPHIC INSURANCE PLAN RIGHT FOR ME?

• A catastrophic plan may be right for you if
• You want lower premiums or can't afford more
  expensive coverage.
• You are generally healthy and rarely see the
  doctor.
• You don't mind having high out-of-pocket costs.
• You want to be prepared against high medical
  bills in a "worst-case scenario."
• You don't qualify for Medicaid.
• You don't qualify for a subsidy based on your
  income. Or, you do qualify, but don't mind
  forgoing your right to those savings.

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WHAT ARE FREE PREVENTIVE SERVICES?

• All plans purchased through the NC Health
  Insurance Marketplace, and many other plans, must
  cover the following preventive services without
  charging a copayment or coinsurance, even if you
  havent met your yearly deductible
• Abdominal Aortic Aneurysm One-Time Screening (for
  men of specified ages who have ever smoked)
• Alcohol Misuse Screening and Counseling
• Aspirin Use (to prevent cardiovascular disease
  for men and women of certain ages)
• Blood Pressure Screening (for all adults)

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• 5. Cholesterol Screening (for adults of certain
  age)
• Colorectal Cancer Screening (for adults over 50)
• Depression Screening (for adults)
• Diabetes (Type 2) Screening (for adults high
  blood pressure)
• Diet Counseling (for adults at higher risk for
  chronic disease)
• HIV Screening (for everyone ages 15 to 65, and
  other ages at increased risk)
• Immunization Vaccines
• Obesity Screening and Counseling (for all adults)
• Sexually Transmitted Infection (STI) Prevention
  Counseling
• Syphilis Screening (for all adults at higher
  risk)
• Tobacco Use Screening

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The Independent Benefit Advisors
Address 1121 Pemberton Hill Rd, Apex, NC
27502 Phone [phone] Toll Free (888)
303-9690 Fax [phone] ID
john_at_thebenefitadvisors.com Website
Thebenefitadvisors.com
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[phone]
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