Health Insurance Advisors is competent, confident, and licensed to provide unmatched health insurance services at competitive rates. We’ve helped millions of members apply and receive appropriate health insurance benefits, and we can’t wait to include you among them.
We understand that one size does not fit all. That's why you get access to a full portfolio of health insurance plans tailored to your specific needs.
Dedicated agents
We provide extensive evaluations to ensure your health insurance benefits fit your situation, budget, and convenience.
customer oriented
Health Insurance Advisors strives to develop and maintain long-term relationships with our members, constantly delivering on our promise of dependability.
innovative health coverage
We understand that one size does not fit all. That's why you get access to a full portfolio of health insurance plans tailored to your specific needs.
Dedicated agents
We provide extensive evaluations to ensure your health insurance benefits fit your situation, budget, and convenience.
customer oriented
Health Insurance Advisors strives to develop and maintain long-term relationships with our members, constantly delivering on our promise of dependability.
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Health Insurance in East Spencer, NC 28039
3 Important Factors to Consider When You’re Looking for Affordable Health Insurance in East Spencer, NC
For more than a decade, Health Insurance Advisors, a trusted East Spencer, NC health insurance advisor has been helping business owners, families, and individuals in Rowan County find affordable health insurance plans. Whether you’re looking for a group, an individual, or a family health insurance plan, you can count on our team of highly knowledgeable and skilled experts to help you design an effective insurance program that will be customized to meet your unique needs.
Our competitively-priced plans offer optimum protection; what’s more, we make enrollment quick and easy. When you choose Health Insurance Advisors as your East Spencer, NC health insurance advisor, you can feel confident knowing that you’ll find comprehensive, yet affordable health insurance for yourself, your family, or your employees.
3 Things to Consider When You’re Looking for Affordable Health Insurance in East Spencer, NC
Having the right health insurance plan is extremely important. With the high price of healthcare in Rowan County, even minor ailments and injuries, such as a sore throat or sprained ankle, can cost a fortune and cause serious financial strain.
As such, you want to make sure that you find an affordable health insurance plan that offers comprehensive coverage. Of course, finding a plan that ticks off both of these boxes is a lot easier said than done, but it is possible; you just have to know what factors to consider.
When you’re researching East Spencer, NC health insurance plans, take the following factors into consideration and you should be able to find a policy that will offer reliable coverage at a price that you can afford.
Premium, Deductible, and Your Health
The premium and deductible have a direct impact on the cost of your health insurance. The premium is the price you pay each month to maintain your plan. A deductible is an up-front contribution that you’ll need to pay before the insurer will payout.
If affordable health insurance is your goal, a low premium can be very attractive; however, do bear in mind that some East Spencer, NC health insurance companies can charge low premiums, but the deductibles are high, which can really hit you in the pocket when you do need to file a claim. On the other hand, higher premiums translate to lower deductibles, so while you’ll pay more each month, you’ll pay less when you need to file a claim.
When you’re weighing your options, consider both the premium and deductible, as well as the state of your health. If you want affordable health insurance and you’re in generally good health, a low premium and high deductible may work for you; however, if your health is poor or you’re exposed to hazardous conditions on a regular basis, a higher premium and lower deductible may be a better choice.
Prescription Coverage
Are you currently taking prescription medications on a regular basis for a chronic condition? If so, when you’re looking for affordable health insurance, check to make sure the drugs you are taking are featured on the formulary (a list that features the drugs the insurance company covers) of the plan you are considering. If the medications you are taking aren’t covered by a East Spencer, NC health insurance plan, cross it off your list, otherwise, you’ll likely end up having to pay exorbitant out-of-pocket expenses.
Health Savings Account
It’s also a good idea to consider whether or not contributing to a health savings account (HSA) is something that you are interested in. Basically, an HSA is like personal savings account that you can use to cover the cost of your medical expenses. If you have disposable income, this is a great option if you want to build an emergency fund for your healthcare costs. Individuals and families can make thousands in tax-deductible contributions to their accounts.
Do note that you will need to qualify for a health savings account. To qualify, your East Spencer, NC health insurance plan will need to support it, and you cannot be claimed as a dependent on somebody else’s tax return. If you want to protect yourself from unexpected – and costly – healthcare expenses, an HSA is an option worth considering.
Contact a Trusted East Spencer, NC Health Insurance Advisor
For help finding an affordable health insurance plan in Rowan County that offers comprehensive coverage, contact Health Insurance Advisors. To speak to one of our advisors, call 704-230-1038 today!
Some information about East Spencer, NC
East Spencer is a town in Rowan County, North Carolina, United States. The population was 1,534 at the 2010 census. Originally called ‘Southern City’ because of significance of the railway to the area, it was incorporated in 1901 as East Spencer. It was named for the Spencer shops that opened in the area in 1896.
East Spencer is located at 35°40′58″N80°25′53″W / 35.68278°N 80.43139°W (35.682780, -80.431271). East Spencer is adjacent to and south of the town of Spencer, North Carolina. The Southern Railway tracks separate the two towns.
According to the United States Census Bureau, the town has a total area of 1.6 square miles (4.1 km2), all land.
