Catastrophic Health Insurance NC

Catastrophic health insurance is covered under the Affordable Care Act. It is a high-deductible health plan for individuals under the age of 30 or those who meet the qualifications for a hardship exemption.

These plans are intended to protect you in a worst-case scenario. For instance, if you suffer from a medical emergency and are left with thousands of dollars in medical costs, catastrophic health insurance can ease your financial burden.

Although monthly premiums are lower, you will be responsible for paying all of your healthcare costs out-of-pocket until you reach the annual deductible on your plan. Fortunately, catastrophic health insurance covers the following benefits even if you have not met your deductible yet:

  • Three primary care visits per year
  • Free preventive services including specific screenings and immunizations

It is important to note that catastrophic health insurance differs from critical illness, accident, or short term plans, which protect policyholders in very particular situations. Catastrophic health insurance may be right for you if:

  • You are in search of lower premiums.
  • You cannot afford coverage that is more expensive.
  • You are in good health and only visit the doctor in limited occasions.
  • You are not bothered by high out-of-pocket expenses.
  • You want to protect yourself against costly medical bills in a worst case scenario.
  • You are not eligible for Medicaid.
  • Your income disqualifies you from a subsidy.

Contact The Mair Agency

If you’d like further information on catastrophic health insurance, don’t hesitate to reach out to our health insurance professional at The Mair Agency. Call us today at (919) 459-2683. We have insurance agents in Wilmington, Raleigh, Charlotte and throughout the state.

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Just awarded the #1 Medicare Agency by Blue Cross NC

We were contracted by Blue Cross NC in 1996 and quickly became an Exclusive Presidents Club Agency for them, maintaining this top producing agency level year after year. We are honored to receive the #1 Medicare Agency in North Carolina for two years in a row.

This award and acknowledgment requires much more than selling a product. This recognition requires our agency to exhibit unsurpassed customer service as well as provide advisors/agents that are consistently the most informed, educated and best support-arm for you, our clients.

We thank our existing clients for having the faith and trust in us that brought us to this achievement. For those of you approaching the need to now benefit from the Medicare you supported for many years with your tax dollars, and maybe some of you that wonder if you have made the best choices in the past, we welcome you to give The Mair Agency an opportunity to meet you. We will ensure you have complete knowledge of all your options and perhaps become a family member of the #1 agency in North Carolina with BlueCross and BlueShield.