Employees may require North Carolina temporary health coverage for a variety of reasons. They could be between jobs but may also be employed temporarily or have only part time employment. North Carolina temp health insurance will also be required while waiting for permanent health insurance to begin and it can be a more affordable alternative to Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) do not typically service temporary medical insurance. North Carolina temporary medical insurance providers generally allow the insured party to receive care from any health care provider licensed to practice in the United States.

1. Gap coverage between long-term policies is the primary intent of temporary health insurance. North Carolina workers with temporary health insurance should expect to have standard health insurance in the future.

2. Temporary health insurance in North Carolina will generally provide protection against unforeseen illness or injury but usually does not cover preventative care or routine examinations.

3. Temporary health insurance in North Carolina is exempt from the Health Insurance Portability and Accountability Act (HIPAA) which means that carriers are not required to issue or renew a policy.

Action Steps
The best contacts and resources to help you get it done

Gather quotes for North Carolina temporary health insurance policies

There is a wide variation in coverage rates but individuals with North Carolina temp health insurance generally pay a much higher premium than those with permanent coverage.

I recommend: Get quotes from Blue Cross Blue Shield of North Carolina. They specialize in NC temporary health insurance with a coverage period of one to three months.

Examine the types of temporary health insurance policies available in North Carolina

NC temporary health insurance may only cover certain groups or conditions. It is extremely helpful to know the intended purpose of a given policy before studying it in detail.

I recommend: Find a list of temporary health insurance plans from different insurers in North Carolina at Health Insurance Carriers. This site also provides health insurance information that is specific to North Carolina.

Apply for personalized quotes on temporary health insurance by zip code

You can get a more specific quote by providing some basic information about yourself when applying for temporary health insurance. North Carolina has many websites that can send an application form to multiple health insurance companies.

I recommend: Go to ncquote.com and enter your zip code. You will complete a brief application form, which they will forward to the individual insurance carriers in North Carolina. They will respond back to you with a quote or denial of your application.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Check for any provisions that would extend your coverage beyond the termination date of your temporary medical insurance. North Carolina temporary health care plans frequently cover total disabilities until you meet certain conditions, such as the maximum benefit has been paid, a certain time beyond the plan's termination date has elapsed or the treatment is no longer required. Many plans also provide a fixed benefit for follow-up care after the policy's termination date.