Best Health Insurance Agencies in Greensboro

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• If you were unable to enroll during the open enrollment period, is it still possible to obtain healthcare insurance in Greensboro?

  Even if you missed the open enrollment cutoff, you might still be eligible for a Special Enrollment period in Greensboro that allows you to get health insurance. You may apply for a SEP if you have had a qualified life event, such as a relocation of your residence, a termination of health insurance due to a job loss, or household changes. You can also apply for a temporary health insurance plan.

• How much health insurance do you need in Greensboro?

  Your health requirements and financial situation will determine how much healthcare coverage you require in Greensboro. Begin by contrasting plans according to their level: bronze, silver, gold, and platinum. A bronze or silver plan may be the best option if you're generally healthy and don't require much medical attention. A gold or platinum plan can make more sense if you anticipate high healthcare costs.

• Will cosmetic surgery be covered by your health insurance in Greensboro?

  Due to the fact that cosmetic surgery and other procedures that will improve your appearance are not medically essential for your physical well-being, the health insurance company you have in Greensboro will not pay for them. Even when insurance pays for cosmetic surgery that is medically essential, certain policies might not fully cover the cost. Your responsibility for any copays, deductibles, or co-insurance will still apply.

• Does Greensboro health insurance cover injuries sustained in auto accidents?

  Yes, health insurance in Greensboro can aid in covering the expenses related to the treatment of injuries from an automobile accident. Because your auto insurance also covers accident-related injury expenditures, your healthcare provider will ask for your health insurance and auto insurance details as soon as you seek medical attention for injuries suffered in a car accident.

• In Greensboro, are you allowed to include your domestic partner in the health insurance plan provided by your employer?

  In Greensboro, you're allowed to include your domestic partner in your employer-provided health insurance plan. However, you may need to sign an affidavit verifying the following:

  • Both of you are over 18.
  • You are not blood relatives.
  • The partnership is exclusive.
  • You shared a home for at least six months and may be together permanently.
  • You two split the cost of your daily necessities.
  • You have the mental capacity to engage in the relationship and any associated contracts.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.