When searching for health insurance companies in North Carolina, you will find a wide variety of choices. On the surface, all health insurance companies basically promise the same thing: the most comprehensive insurance plans and the most affordable premiums. So how do you know which medical insurance company is really right for you or your family?
When researching North Carolina health insurance companies, there are three questions you will want to find answers to:
1. How old is the medical insurance company?
There is certainly something to be said for longevity in the world of health insurance companies. The longer a health insurance company has been in business, the more likely it will continue to be in business years down the road.
Blue Cross and Blue Shield of North Carolina® has been serving North Carolinians since 1933. You can feel confident that a company with roots this deep will continue be around well into the future.
2. How large is the medical insurance company?
Larger health insurance companies that have successfully grown their businesses know what it takes to retain customers: quality coverage, affordable premiums, and top notch customer service. A strong customer base is one of the best signs that an insurance company can be trusted.
Blue Cross and Blue Shield of North Carolina® has 4,500 employees and serves 3.8 million customers. All of their customer service centers are located right here in North Carolina. When you choose BCBSNC to cover your family, you are making a choice that has already been made by millions of other North Carolina residents. Blue Cross and Blue Shield of North Carolina® enjoys a healthy customer satisfaction rating of 8.4 out of 10.
3. How extensive is the medical insurance company’s network?
Health insurance is only useful if doctors and health care facilities will accept it. When researching health insurance companies, be sure to look for a list of in-network doctors and hospitals – those doctors and hospitals that have an agreement with the insurance carrier to accept their insurance coverage for payment.
Over 92% of doctors and 99% of the acute medical facilities in North Carolina are within the BCBSNC network. In addition, with a plan from Blue Cross and Blue Shield of North Carolina®, you can even receive in-network benefits in all 50 states and have coverage when you travel outside the country.
Not all NC health insurance companies are created equal, so do your research and make sure that you select an insurer that is doing business with integrity, honesty, and corporate social responsibility – just like the folks at the WNC Health Insurance / The Asheville Blue Cross and Blue Shield of North Carolina® Store.