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Population: 8,856,505
(Source: U.S. Census Bureau)
Uninsured: 1,383,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for North Carolina health insurance policies. Click here to view our registration with the North Carolina Office of Insurance (We're listed as HBDC). |
North Carolina has the 7th highest number of uninsured in the U.S.
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Health Insurance News in North Carolina
Buying Individual Insurance Policies in North Carolina
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in North Carolina:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Birthing Centers/Midwives
- Bone Mass Measurements
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Cleft Palate
- Clinical Trials
- Colorectal Cancer Screening
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Drug Abuse Treatment
- Emergency Services
- HPV Vaccine
- Mammogram
- Mastectomy
- Mastectomy Stay
- Maternity Stay
- Newborn Hearing Screening
- Off-Label Drug Use
- Prostate Cancer Screening
- TMJ Disorders
- Well-Child Care
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- Alzheimer's
- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Autism
- Blood Lead Poisoning
- Blood Products
- Bone Marrow Transplants
- Cancer Medications
- Chemotherapy
- Chlamydia
- Congenital Bleeding Disorders
- Early Intervention Services
- Habilitative Services
- Hair Prostheses
- Hearing Aid
- Home Health Care
- Hospice Care
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Lyme Disease
- Maternity
- Mental Health General
- Mental Health Parity
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Sickle-Cell Testing
- Orthotics/Prosthetics
- Ostomy Related Supplies
- Other Infertility Services
- Ovarian Cancer Screening
- PKU/Formula
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Rehabilitation Services
- Second Surgical Opinion
- Smoking Cessation
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Handicapped Dependents
- Newborns
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- Dependent Students
- Grandchildren
- Non-Custodial Children
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Dentists
- Marriage Therapists
- Nurse Anesthetists
- Nurse Midwives
- Nurse Practitioners
- Nurses
- Optometrists
- Pastoral Counselor
- Pharmacists
- Physician Assistants
- Podiatrists
- Professional Counselors
- Psychiatric Nurse
- Psychologists
- Public or Other Facilities
- Social Workers
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- Acupuncturists
- Chiropodist
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Licensed Health Professional
- Massage Therapists
- Naturopaths
- Occupational Therapists
- Opticians
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Physical Therapists
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in North Carolina.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for North Carolina residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across North Carolina.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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