Individual and Family Plans


Did You Know That Not All Insurance Plans Are Created Equally?

Many insurance plans have a specific provider network. These lower cost plans may be a good fit for you and your family if you are willing to see providers (doctors and hospitals) within a specific provider network. It is important to consider a provider network for current health conditions and for any future health conditions that may arise.

Individuals who have a current health condition, take medication, or have a pre-existing condition need to explore all their options. Please let us know your medical history so we can find the right plan for you.

Individual and Family Plans

Plenty of Plan Options – Choose a plan that meets your needs and budget. Our services are available at no cost to you. We are paid by the insurance carrier to help you through the process of shopping for insurance and getting coverage.

With Insurance Options of the Carolinas as your consultant, you will be offered a wide choice of plan options to fit a variety of budgets. You decide how much you want to share in the cost of your health care and what monthly premium level is right for you (and your family).

We Offer

  • The most popular individual health plans in North and South Carolina
  • Larger provider networks that offer flexibility and choice
  • Smaller provider networks that offer reduced monthly premiums
  • Access to specialists without a referral
  • Options that include a primary care selection and referrals to reduce monthly premiums
  • Worldwide coverage
  • Plans with preventive care
  • Prescription drug plans available with a larger or smaller pharmacy network
Dental Insurance

Did you know your dental health is linked to your overall health?  Daily dental care and routine checkups can help you stay healthy.  Insurance Options of the Carolinas offers affordable dental plans ranging from basic dental plans to more extensive coverage options – preventive, basic and / or major services.  Dental options can be added to individual plans regardless of age.

We can help you review the different dental options and various levels of coverage that fit your budget and dental needs.

Vision Plans

Did you know that routine eye examinations are not always covered by an individual or group medical plans?

Vision care is an often overlooked service for all age groups.  Routine vision exams can often uncover medical conditions that have not yet been diagnosed or been uncovered. 

We have different vision options that can be tailored to your needs and the needs of your family. Important items to consider when looking at vision insurance include: provider / doctor network, selection of frames and / or contacts, simplicity, and savings.  Plans start as low as $16 a month.

Child Only Coverage

You can purchase coverage solely for your own, adopted or foster children.

Maternity Coverage

Maternity care is now included on all fully insured, non-grandfathered plans effective January 1st, 2014 that meet the Affordable Care Act guidelines.

Pediatric Dental

Pediatric dental is now included on all fully insured, non-grandfathered plans up to the age of 19, effective January 1st, 2014 that meet the Affordable Care Act guidelines.

Qualifying Life Events/QLE

Outside of open enrollment, you must have a Qualifying Life Event/QLE to get coverage for a plan that meets the Affordable Care Act guidelines. You have a limited amount of time to purchase a new plan or make changes. If you miss your window to make changes, you will have to wait until you have another window or wait until open enrollment. Short Term Medical/STM coverage is the exception to this rule.

Here are some examples of Qualifying Life Events:

  • Marriage or divorce.
  • Having a baby, adopting a child, or placing a child for adoption or foster care.
  • Moving your residence, gaining citizenship, leaving incarceration.
  • Losing other health coverage—due to losing job-based coverage, the end of an individual policy plan year, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP, and similar circumstances.
  • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions may qualify you.
  • Status as a member of an Indian tribe. Members of federally recognized Indian tribes can sign up for or change plans once per month throughout the year.

Important: Voluntarily ending coverage does not qualify you for a Special Enrollment Period. Neither does losing coverage that does not qualify as minimum essential coverage.

Keep in mind that Open Enrollment for anyone under the age of 65 is November 1st – December 15th. Coverage can start as early as January 1 if your completed application is submitted by December 15th.

Please be sure to contact us to learn about your options at cs@4insuranceoptions.com or 704-618-3800. There is no cost for our service.