About Baby Health Insurance
Why You Should Consider Individual Health Insurance For Your Baby.
Individual health insurance policies are underwritten individually. This means that the rate (or premium) is largely based on the health of the individual. Group policies factor in the health of the entire group which means that the healthier individuals are actually helping to pay the premiums of unhealthy members of that group. Furthermore most group plans only offer one rate for dependent coverage which means families with one child are paying the same rate as families with two or more dependents.
Save Money.
If you have your baby on your employer’s healthcare plan you’re probably paying too much for your child’s health insurance. Your employer’s child rate is based largely on the age and past medical history of the group. Many times we are able to keep your child with the same carrier as your employer’s plan but give you a lower premium.
Protect Your Baby’s Future Insurability.
When your child is covered by an individual health insurance policy you are guaranteeing their eligibility to qualify for preferred rates. You don’t have to worry about changes with your employer’s plan or your employment situation.
Plan Features:
- The largest provider network in North Carolina.
- Coverage for preventive care including annual checkups and immunization.
- Choice of deductible, copay and premiums.
- Guaranteed renewable.
- Out of pocket limits.
- Paperwork free claims for in-network providers.
- Prescription drug coverage.