The High Risk Pool in North Carolina

The Formation of the North Carolina Health Insurance Risk Pool (NCHIRP)

A March 3, 2008 press release announced that Michael Keough (from Raleigh), was hired for the NC Health Insurance Risk Pool (NCHIRP) to function as the executive director.  Created by the NC General Assembly in 2007, the NCHIRP aims to provide affordable health insurance coverage to North Carolinians who do not have access to an employer health plan and who face high premiums because of their health conditions. 

The purpose of the NCHIRP is to function as a safety net  to guarantee access to health insurance for people who have preexisting high-risk health conditions.  The NCHIRP will provide guaranteed access to health insurance for eligible individuals in exchange for a premium.  The NCHIRP will more than likely begin offering enrollment plans in late 2008 and is scheduled to begin to providing insurance on January 1, 2009.  Unlike the NCHIRP, which will restrict the kinds of people who may apply, BCBSNC offers health insurance coverage to all people.  If you're interested in finding out more information about the different types of individual health insurance plans that are available through BCBSNC, contact IBD for a free rate quote.

Eligibility for the NCHIRP

In order to be eligible to participate in the NCHIRP, individuals can not have access to group coverage as an employee or as a dependent of an employee.  Additionally, they have to meet the following criteria:

- Has been rejected or refused by an insurer for similar coverage for medical reasons.
- Has been offered coverage by an insurer but with conditional rider limiting coverage.
- Has been refused coverage except at higher premium rate than the pool.
- Has similar coverage but at a rate higher than the pool.
- Has a diagnosed condition from a list of high-risk conditions to be determined by the pool's Board of Directors.
- Is a federally HIPAA eligible individual, including those who currently have this coverage through an insurer.
- Is a resident who is eligible for federal Health Coverage Tax Credit

For the latest news on the NCHIRP as well as information about individual health insurance, feel free to contact IBD.  A qualified agent will be more than happy to assist you in finding the right kind of health care plan to fit your needs.

While the NCHIRP Restricts Some, BCBSNC Admits All!

High risk health insurance will soon become a reality in North Carolina.  According to a study commisioned by the North Carolina Department of Insurance,

Enrollment in the program, which is supposed to provide affordable health insurance for high-risk patients, is expected to start small, with about 2,000 people.  But that could increase to more than 13,000 enrollees and could cost more than $200 million per year in total benefits and administration within 10 years....

Still confused about the status of the NCHIRP and how it could affect you?  IBD has been keeping up with all of the latest details associated with the NCHIRP and can help you make sense of it.  Additionally, year after year, BCBSNC has been named as one of the leading providers of health insurance, providing affordable, quality insurance to those who need it most.  Contact IBD today and speak to a qualified agent who will help you find the perfect health insurance plan to suit your personal or professional needs.

 

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