North Carolina Health Insurance / South
Carolina Health Insurance: Free Quote
When considering purchasing a medical insurance plan for you or
your family, there are many things to take into account including
price, coverage options including co-payments and drug cards and
annual maximum out of pocket expenses.
Many clients are now opting for HSA (Health Savings Account) plans
instead of the traditional plans with doctor co-payments and drug
co-payments. These plans are typically 20% to 50% less expensive
then a low deductible insurance plan with doctor co-payments and
drug card co-payments. When you consider the premium savings
and the annual maximum out of pocket exposure on the HSA plans, it
makes a compelling case to switch to this type of plan.
If you choose an HSA plan, you will have to meet the deductible
before any benefits are paid by the insurance company; however
most plans provide 100% coverage for preventative services without
having to meet the deductible. While meeting the deductible, you
also will only be responsible for the rate that the insurance company
has contracted with the doctors office, hospital or facility and that
amount will be credited toward the deductible. You can also add drug
coverage to most plans and when added works the same as any
other benefit.
The deductibles on theses plans typically range from $1500 to
$2800 for single coverage and $2500 to $10,000 for family coverage.
The family deductible is a single deductible for the entire family. You
have the option of choosing 100%, 80% or 50% coverage after the
deductible has been net. If you choose the 80% or 50% option, you
will have an additional amount of out of pocket expenses before you
reach 100% coverage. These extra out of pocket expenses range
from $2000 to $5000, depending on if you have a single or family
deductible.
HSA plans provide lower insurance premiums, lower maximum out
of pockets and nice tax advantages for clients that are trying to
reduce their overall health insurance expenses. For more
information on these types of plans, please give us a call and we will
be happy to explain them in more detail.
We also provide co-payment plans from all of the major insurance
companies in North Carolina and South Carolina.
Carolina Health Insurance: Free Quote
When considering purchasing a medical insurance plan for you or
your family, there are many things to take into account including
price, coverage options including co-payments and drug cards and
annual maximum out of pocket expenses.
Many clients are now opting for HSA (Health Savings Account) plans
instead of the traditional plans with doctor co-payments and drug
co-payments. These plans are typically 20% to 50% less expensive
then a low deductible insurance plan with doctor co-payments and
drug card co-payments. When you consider the premium savings
and the annual maximum out of pocket exposure on the HSA plans, it
makes a compelling case to switch to this type of plan.
If you choose an HSA plan, you will have to meet the deductible
before any benefits are paid by the insurance company; however
most plans provide 100% coverage for preventative services without
having to meet the deductible. While meeting the deductible, you
also will only be responsible for the rate that the insurance company
has contracted with the doctors office, hospital or facility and that
amount will be credited toward the deductible. You can also add drug
coverage to most plans and when added works the same as any
other benefit.
The deductibles on theses plans typically range from $1500 to
$2800 for single coverage and $2500 to $10,000 for family coverage.
The family deductible is a single deductible for the entire family. You
have the option of choosing 100%, 80% or 50% coverage after the
deductible has been net. If you choose the 80% or 50% option, you
will have an additional amount of out of pocket expenses before you
reach 100% coverage. These extra out of pocket expenses range
from $2000 to $5000, depending on if you have a single or family
deductible.
HSA plans provide lower insurance premiums, lower maximum out
of pockets and nice tax advantages for clients that are trying to
reduce their overall health insurance expenses. For more
information on these types of plans, please give us a call and we will
be happy to explain them in more detail.
We also provide co-payment plans from all of the major insurance
companies in North Carolina and South Carolina.
North Carolina Dental
Insurance / South
Carolina Dental
Insurance: Free Quote
Most dental plans provide coverage in
three different areas including
preventative, basic services and major
services. Some plans also provide
coverage for orthodontic services.
Most plans will also provide 100%
coverage for preventative services from
the first day of coverage, usually two
visits per year. Some plans have
waiting periods for the basic and major
services from six to twelve months.
There are some plans that will provide
benefits for the basic and major
services from the first day of coverage;
however the first two years will have
reduced benefits. Deductibles will
apply to the basic and major
services. All dental plans will only
pay up to the annual maximum per
year. These annual maximums range
from $1000 to $2500 annually. We have
plans available for children, students,
single coverage, family coverage and
individual or couples over 65. Call us
today for your free dental quote.
Insurance / South
Carolina Dental
Insurance: Free Quote
Most dental plans provide coverage in
three different areas including
preventative, basic services and major
services. Some plans also provide
coverage for orthodontic services.
Most plans will also provide 100%
coverage for preventative services from
the first day of coverage, usually two
visits per year. Some plans have
waiting periods for the basic and major
services from six to twelve months.
There are some plans that will provide
benefits for the basic and major
services from the first day of coverage;
however the first two years will have
reduced benefits. Deductibles will
apply to the basic and major
services. All dental plans will only
pay up to the annual maximum per
year. These annual maximums range
from $1000 to $2500 annually. We have
plans available for children, students,
single coverage, family coverage and
individual or couples over 65. Call us
today for your free dental quote.
North Carolina Life
Insurance / South Carolina
Life Insurance: Free Quote
You can purchase life insurance in two basic
forms, either a term life insurance policy or a
cash value life insurance policy.
Depending what you are using the life
insurance policy for will determine which type
of policy to purchase. If you are using the life
insurance to protect something that is only
going to be around of a short time such as a
debt, you may want to consider a term policy.
These policies are usually very inexpensive
and will lock in your premium for 1 to 30
years. This type of policy is not always the
best choice for long term needs.
For a long term need, you may want to
consider a cash value policy such as
universal or whole life insurance. These
policies will build cash value over time and
some will guarantee the premium for the life
of the policy. For more information or for a
free quote, please give us a call today.
Insurance / South Carolina
Life Insurance: Free Quote
You can purchase life insurance in two basic
forms, either a term life insurance policy or a
cash value life insurance policy.
Depending what you are using the life
insurance policy for will determine which type
of policy to purchase. If you are using the life
insurance to protect something that is only
going to be around of a short time such as a
debt, you may want to consider a term policy.
These policies are usually very inexpensive
and will lock in your premium for 1 to 30
years. This type of policy is not always the
best choice for long term needs.
For a long term need, you may want to
consider a cash value policy such as
universal or whole life insurance. These
policies will build cash value over time and
some will guarantee the premium for the life
of the policy. For more information or for a
free quote, please give us a call today.
North Carolina Disability Insurance
/ South Carolina Disability
Insurance: Free Quote
Disability insurance provides you with a replacement
income if you should become disabled due to an
accident or illness and can no longer work. These
policies usually will provide you with up to 66% of your
current income. There are short term policies and long
term policies available. Short term polices usually
provide you a replacement income for up to 6 months
while the long term policies will provide an income up to
age 65, depending on your occupation. For more
information or for a free quote, please give us a call.
/ South Carolina Disability
Insurance: Free Quote
Disability insurance provides you with a replacement
income if you should become disabled due to an
accident or illness and can no longer work. These
policies usually will provide you with up to 66% of your
current income. There are short term policies and long
term policies available. Short term polices usually
provide you a replacement income for up to 6 months
while the long term policies will provide an income up to
age 65, depending on your occupation. For more
information or for a free quote, please give us a call.
Are you having trouble
qualifying for an individual
health insurance plan? Call
us today and we can help.
North Carolina and South Carolina now have
guaranteed issue health insurance plans for
individuals. If you are self employed or own a
small business, we may also be able to help.
In North Carolina, we can set up guaranteed
issue group health insurance plans for
companies as small as one person. Call us
today for more information.
qualifying for an individual
health insurance plan? Call
us today and we can help.
North Carolina and South Carolina now have
guaranteed issue health insurance plans for
individuals. If you are self employed or own a
small business, we may also be able to help.
In North Carolina, we can set up guaranteed
issue group health insurance plans for
companies as small as one person. Call us
today for more information.
North Carolina /
South Carolina -
Short Term Medical
Insurance
Do you have an employee
that will be leaving soon? If
so, that employee may want
to consider a North
Carolina short term
medical insurance plan to
provide them coverage in
between jobs. These plans
can be kept up to 12
months and have attractive
premiums. Call us today or
Apply online today.
South Carolina -
Short Term Medical
Insurance
Do you have an employee
that will be leaving soon? If
so, that employee may want
to consider a North
Carolina short term
medical insurance plan to
provide them coverage in
between jobs. These plans
can be kept up to 12
months and have attractive
premiums. Call us today or
Apply online today.
Davis Insurance Group
A North Carolina Insurance Agency
5041 New Center Dr. Suite 119
Wilmington, NC 28403
(910) 392-5173
Wilmington, NC 28403
(910) 392-5173
| Insurance For You, Your Family and Your Business |
| Personal Umbrella Insurance |
Important Links:
North Carolina Health Choice
(NCHC) for Children: free or
reduced price comprehensive
health care for children in North
Carolina for families in need.
North Carolina Medicaid
Program:
South Carolina Medicaid
Program:
North Carolina Health Insurance
Risk Pool (Inclusive Health):
This plan provides affordable
health insurance for high risk
individuals who cannot get
health insurance from the
traditional health insurance
market.
South Carolina Health Insurance
Pool (SCHIP): health insurance
coverage available to residents
of South Carolina who are either
unable to obtain health
insurance because of a medical
condition or whose premium for
health coverage exceeds 150%
of the Pool rate
Medicare Information:
North Carolina Health Choice
(NCHC) for Children: free or
reduced price comprehensive
health care for children in North
Carolina for families in need.
North Carolina Medicaid
Program:
South Carolina Medicaid
Program:
North Carolina Health Insurance
Risk Pool (Inclusive Health):
This plan provides affordable
health insurance for high risk
individuals who cannot get
health insurance from the
traditional health insurance
market.
South Carolina Health Insurance
Pool (SCHIP): health insurance
coverage available to residents
of South Carolina who are either
unable to obtain health
insurance because of a medical
condition or whose premium for
health coverage exceeds 150%
of the Pool rate
Medicare Information:
Are you looking for
health insurance
coverage for your
employees?
Free Quote
We provide free quotes for your
employees for health insurance, life
insurance, dental insurance, short
term disability insurance, long term
disability insurance, long term care
insurance, accident and cancer
insurance policies. The health
insurance plans will have to have an
employer contribution, but all other
plans can be set up as payroll
deduction plans. In North Carolina,
we can set up companies as small
as one employee. In South Carolina,
the minimum number of employees
is two. All plans up to 50 employees
are guarenteed issue plans. For
more information, please give us a
call.
health insurance
coverage for your
employees?
Free Quote
We provide free quotes for your
employees for health insurance, life
insurance, dental insurance, short
term disability insurance, long term
disability insurance, long term care
insurance, accident and cancer
insurance policies. The health
insurance plans will have to have an
employer contribution, but all other
plans can be set up as payroll
deduction plans. In North Carolina,
we can set up companies as small
as one employee. In South Carolina,
the minimum number of employees
is two. All plans up to 50 employees
are guarenteed issue plans. For
more information, please give us a
call.
| Davis Insurance Group is a trade name used by two different agencies. P&C Products offered through Davis Insurance P&C LLC. Life, Health, Long term Care and Medicare supplement products offered through S.J. Davis & Associates. We are licensed to sell insurance in North Carolina and South Carolina Do not cancel any insurance product until you have a replacement policy in place and paid for. |
Online Quotes and applications:
Copyright - 2006 Samuel J Davis
| Call Us Today For Your Free Quote (910) 392-5173 |