Uninsurable for Health Insurance in NC? Not Anymore
Have you been declined for health insurance? You may think that you are uninsurable. In the state of NC, (North Carolina), you have the option of getting Inclusive Health. Inclusive Health is a high risk pool that will take you even if you have prior heart conditions, cancer, diabetes, and the list goes on.
Federal Option
Here is how you can determine if you are eligible for the Federal Option:
You are eligible of Inclusive Health - Federal Option Coverage if you have been without creditable coverage for at least six months and…
You can answer YES to AT LEAST ONE of the following questions:
Your medical condition makes you “uninsurable.”
You have been refused or denied coverage for health reasons.
You have been offered coverage by an insurer with a conditional rider limiting coverage.
You have one of the Inclusive Health - Federal Option presumptive conditions which allows automatic enrollment.
You are eligible if you can answer YES to ALL of the following questions:
You are a legal U.S. resident.
You are a North Carolina resident.
You are not covered as a dependent.
Presumptive Conditions:
There are certain “Presumptive Conditions that will make you “automatically” eligible.
State Option
If you have had health insurance coverage in the last six months, you are eligible for the State Option:
You are eligible of Inclusive Health Coverage if you have a pre-existing condition and…
You can answer YES to AT LEAST ONE of the following questions:
- You were rejected or refused coverage for health reasons by an insurance company.
- You have been offered coverage by an insurer with a conditional rider limiting coverage.
- Your current individual health insurance coverage is at a premium rate exceeding the Inclusive Health premium.
- You were refused individual coverage by an insurance company except at a premium rate that is higher than the Inclusive Health rate.
- You are eligible for or are enrolled in COBRA or state continuation and have an individual premium rate that is higher than Inclusive Health and answer “Yes” to at least one of numbers 1-3 or 6.
- You have been diagnosed with a presumptive qualifying medical condition listed below.
- You have had 18 months of continuous coverage and have exhausted COBRA coverage.
- You are eligible for the Health Coverage Tax Credit (HCTC) for trade displaced workers under the TAA, ATAA or PBGC programs.
You are eligible if you can answer YES to ALL of the following questions:
- You are not Medicare eligible.
- You are not Medicaid eligible.
- You are a legal U.S. resident.
- You are a North Carolina resident.
- You or your spouse are not eligible for insurance at work.
- You are not covered as a dependent.
What to do if you need more information
As you can see, there is no need for despair. Check with an authorized referring agent for Inclusive Health. Inclusive Health has trained agents to help you with all the difficult to understand questions and procedures. Using an agent doesn’t cost the applicant any extra money. Inclusive Health pays the agent a small fee for helping you get insured.
Click on RichDayHealthPlans for assistance, or call: 1.888.759.1738


