Health Insurance North Carolina – Advice for New Teachers

Published: 01st September 2010
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Hello friends! This is Roberta Lackey writing to you from the great state of North Carolina. As a second year teacher, I want to write to all you new teachers out there today about how to get a great health insurance North Carolina policy today. It is important to have a health insurance North Carolina policy because you never know when you are going to get sick or injured and need medical treatment. You want to make sure you have a health insurance North Carolina policy in place before you have to seek medical treatment. Once you are in the doctor’s office or hospital, it is already too late to get a health insurance North Carolina policy to protect you. The purpose of this article is to explain to you, the new teacher, all the different options available to you for a great health insurance North Carolina policy.





How does a new teacher get a great health insurance North Carolina policy?





As a new teacher, the best way to get a great health insurance North Carolina policy is through your employer. No matter what school district you work for, you have access to health insurance North Carolina from the state itself. This great health insurance North Carolina option is called the North Carolina state health plan and is available to all state employees including teachers. This great health insurance North Carolina plan has two options for medical care. The health insurance North Carolina policy allows its members to choose between two different Preferred Provider Organizations as part of its health insurance North Carolina plan. Both the basic and standard health insurance North Carolina plans are reasonably priced with co-pays ranging from twenty-five dollars to fifty-five dollars for different types of medical services and treatments. The health insurance North Carolina policies offer two different payment ratios. The basic health insurance North Carolina plan offers a 70% / 30% payment ratio. This means that when you incur medical bills the health insurance North Carolina provider pays 70% of the medical bills and the health insurance North Carolina policyholder pays 30%. The standard health insurance North Carolina plan offers an 80% / 20% payment ratio. You need to analyze your own financial situation to see which health insurance North Carolina plan better suits your needs. In addition, it would be good to look at a comparison of the two health insurance North Carolina plans to see which one better fits your needs. Your school district can readily provide you with a comparison chart of the two different health insurance North Carolina plans available to you.





Why does a young, healthy teacher need a health insurance North Carolina policy?





The answer to this question is so simple. Even if you are young and healthy, eventually you will need a health insurance North Carolina policy to protect you. Even the most minor visit to a doctor can cost you thousands of dollars and without a health insurance North Carolina policy you will be responsible for all those bills yourself. No one wants to have to deal with that. A health insurance North Carolina policy will provide you with access to high quality medical care at a price you can afford.



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