GRATEFUL FOR OUR
NOW WHAT ABOUT
W H AT W A S I N T E N D E D TO B E E A S Y H A S T U R N E D I N TO S O M E T H I N G D I F F I C U LT, F O R M A N Y.
When the Affordable Care Act launched, consumers in North Carolina had a choice of several different carriers when choosing a health plan. Over the last few years, however, individuals and small businesses have not had a choice in their healthcare carrier if they had a pre-existing condition. Next year those options will change for residents in Mecklenburg, Gaston, Cabarrus, and Rowan counties, with the addition of Bright Health (A Novant Health partner). Unfortunately there will still only be one provider (Blue Cross Blue Shield of North Carolina) in Iredell and Lincoln counties. Insurance plan designs are becoming more localized and narrower and will not allow for as much choice on the provider level or allow you to cross hospital systems as insurers and hospitals work together to reduce costs. However, for many, competition still does not bring a resolution to the high cost of health insurance. There are nontraditional health plans available,
and with the marketplace driving employees to businesses that can provide comprehensive benefits, there are group insurance plans that fit the growing employee healthcare needs of small business owners as well. It’s my opinion that your health is your most important asset next to your financial well-being, and it should be protected. It is imperative that the right healthcare plan is found that best fits your needs, whether you are just starting your family or going on Medicare, there are customtailored solutions out there. Yearround support from your agent is a must, so be sure to do your research and find one that can help you get the exact package that works for your specific needs and budget. w L K N e x p e rt
Kent Pike is a licensed insurance agent in North and South Carolina. Kent can be reached at 704.437.4038 or visit his office at 862 Brawley School Road in Mooresville. HealthMarkets Insurance Agency, Inc. is licensed as an agency in all 50 states and DC.
Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances.
WRITER KENT PIKE
November 2019 Lake Norman Woman Magazine