Cheap Medical Insurance For People In North Carolina
North Carolina residents who are having trouble obtaining low cost health care insurance should research the North Carolina Medical Insurance Pool, or MHIP.
<h3>What’s the North Carolina Medical Insurance Pool?</h3>
The MHIP is a program designed to help North Carolina residents who can not find low cost health care insurance, and who don’t qualify or aren’t covered under any other type of health care insurance plan.
The MHIP provides inpatient and outpatient hospital care; medical provider care; care from other medical professionals; special health services and supplies; and prescription drug coverage.
<h3>Who sponsors the North Carolina Medical Insurance Pool?</h3>
The MHIP came into effect in 1991 thanks to the North Carolina General Assembly. It also operates under the Assembly’s rules. However, the MHIP is administered by Blue Cross Blue Shield of North Carolina and Blue Cross Blue Shield of Kansas City.
<h3>Who is eligible for the North Carolina Medical Insurance Pool?</h3>
The MHIP is open to all North Carolina residents depending on eligibility requirements, but those residents who have preexisting medical conditions and can not seem to find a health care insurance business that’ll sell them an individual health care insurance policy should be especially interested in MHIP because while there are stipulations on pre-existing conditions, the stipulations of the MHIP’s policy on pre-existing health conditions can be waived in certain circumstances.
Those North Carolina residents who aren’t eligible for MHIP include those who are eligible for other kinds of health care insurance plans and programs such as a regular health care insurance plan, a state-sponsored health care insurance plan, Medicaid, Medicare, and COBRA.
If the MHIP has already paid out $1 million in heathcare expenses to an individual, he or she is no longer eligible. The same is true for individuals who are ineligible for health care insurance plans due to alcohol and substance abuse.
<h3>How do I find out more information about the North Carolina Medical Insurance Pool?</h3>
Contact the North Carolina Department of Insurance (DOI), or visit the North Carolina Medical Insurance Pool official Web site.
