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With excitement over the Affordable Care Act settling down and the smoke clears it's time to stop and survey the new health insurance landscape around us. What we see are higher deductibles higher out of pocket cost and a good reason to consider supplemental insurance plans. Heath insurance may seem expensive but you have to have it. If you were to have a major illness it is better than having no health insurance at all. Most residents of North Carolina who have health insurance policies from the major health insurance companies, feel comfortable that they are covered as well as possible all things considered. However, all it takes is one simple hospital stay of a few days for them to realize that they probably still have a large out of pocket expense that is called a deductible! There are also many other expenses that arise from hospital stays that include such things as relatives coming to your aid, transportation, extra living expenses and so on. You will have to face the question where will the money come from to pay for all these expenses? The answer is one or more of the supplemental plans that pay lump sums of money in the event of Accident, Hospitalization and/or critical illness. These have been offered for years by companies like AFLAC, but recently, major health companies like BlueCross BlueShield of North Carolina have jumped on the bandwagon to meet the needs of their existing clients. In 2012, there were approximately 51,860 new cases of cancer in North Carolina. In 2010, more than 109,000 people in North Carolina were injured in car accidents. To help North Carolinians and their families weather the financial impact of these crises, Blue Cross and Blue Shield of North Carolina (BCBSNC) has launched Mosaic Group, a BCBSNC subsidiary, that offers financial protection for critical illnesses like cancer, heart attacks or strokes, as well as accidents and hospital stays at www.mosaicgroup.com. Even if you have good health insurance like BCBSNC offers, the cost of a serious health crisis can mean prolonged stress and hardship for many families. Supplemental insurance can help offset out-of-pocket costs, lost wages and day-to-day living expenses, allowing customers to focus on getting better. At www.mosaicgroup.com, consumers can purchase three products, which are underwritten by USAble Life: Critical Illness Insurance. This product protects against serious illnesses like cancer, heart attack, strokes and others. Coverage provides immediate, lump-sum payment upon diagnosis of a covered illness. Accident Insurance. This product covers accidental death, dismemberment, fractures, dislocations, burns and other major accidents. Beneficiaries receive an immediate, lump-sum payment for serious injury or accidental death. Hospital Confinement Insurance. This product covers hospital stays and provides a per-day payment during a hospital stay, plus additional benefits for certain injuries like burns and fractures. Mosaic Group expects these products to appeal to customers who have had previous experience with a loved one's serious or terminal illness, health plans with high deductibles or those who wish to protect their finances, if an unexpected event occurs. The availability of these products through Mosaic Group offers consumers affordable financial security for unexpected events. Elliot is a leading insurance agent with Blue Cross Blue Shiedl of NC and Direct Marketing Associates, an award winning insurance agency serving Asheville North Carolina. Elliot has been providing health insurance plans and information for individuals and employers for over twenty years. Visit http://www.ncinsuranceplansonline.com for rates and information.
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Asheville NC, BCBSNC, Blue Cross and Blue Shield of NC, supplemental insurance,
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