| Long Term Care / Medicare Supplements / Homeowners / Commercial / Workers Compensation / Annuities / Auto / Employee Benefits |
Davis Insurance Group
A North Carolina Insurance Agency
| 2002 Eastwood Road - Suite 302 Wilmington, NC 28403 |
| Call Us Today For your Free Insurance Quote (910) 392-5173 or toll free (877) 753-2847 |
| Free Instant North Carolina Health Insurance Quotes |
For your free individual and family North
Carolina Health Insurance quote, choose
one of the banners to the right.
We have provided options from Golden
Rule Insurance Company, American
Medical Security Life Insurance Company,
Assurant Health, Humana Insurance
Company and Aetna Insurance Company.
Click on the quote now button and you will
be directed to the quoting website. You
will also be able to apply for the coverage
from the quoting website. If you need help
with your quote or have any questions,
please give us a call toll free at
877-753-2847.
If you are interested in a short term
medical quote, please click on the
banners to the right for your quote and
application.
We also have other insurance companies
available for individual and family health
insurance quotes. Please complete the
request form below and we will send you a
quote by email.
Carolina Health Insurance quote, choose
one of the banners to the right.
We have provided options from Golden
Rule Insurance Company, American
Medical Security Life Insurance Company,
Assurant Health, Humana Insurance
Company and Aetna Insurance Company.
Click on the quote now button and you will
be directed to the quoting website. You
will also be able to apply for the coverage
from the quoting website. If you need help
with your quote or have any questions,
please give us a call toll free at
877-753-2847.
If you are interested in a short term
medical quote, please click on the
banners to the right for your quote and
application.
We also have other insurance companies
available for individual and family health
insurance quotes. Please complete the
request form below and we will send you a
quote by email.
Copyright - 2006 Samuel J Davis
All other companies CLICK HERE
Including Blue Cross and Blue Shield of NC Group Coverage
Including Blue Cross and Blue Shield of NC Group Coverage
North Carolina Health Insurance / South Carolina Health Insurance: Click Here For Your 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.
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: Click Here For Your 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 provide 100% coverage for preventative services from the first day of coverage,
usually two visits per year. Most 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. There are also deductibles that 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.
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 provide 100% coverage for preventative services from the first day of coverage,
usually two visits per year. Most 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. There are also deductibles that 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: Click Here For Your 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.
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: Click Here For Your 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.
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 looking for health insurance coverage for your employees? If so Click Here
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.
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.
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.
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.
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.
