When it comes to NC health insurance, we’ve just about seen it all. After 45 years in this business, we’ve helped such a wide range of people and businesses from Chapel Hill, Durham, Raleigh, the Research Triangle Park, Hillsboro, Pittsboro, Burlington and all over North Carolina, that it’s hard to nail down a profile of our “typical” customer.
Individual NC health insurance
For example, if you’re an individual, you may:
- Have pre-existing conditions
- Be self-employed, in a job transition, or entering the workforce for the first time
- Have changing marital or family situations
- Be relocating
- Be retired or approaching retirement
- Have unusual job circumstances such as international assignments or travel (click here for special information on insurance for foreign nationals)
To see a more complete list of the types of individual situation we deal with, click here.
Group NC health insurance
If you have a business, on the other hand, you may be:
- Struggling to control escalating health plan costs
- Spending more time than you can afford in administering the plan
- Dealing with a growing number of employee issues and complaints
- Starting up
- Dissatisfied with or outgrowing your current plan or agent
To see a more detailed list of the various business scenarios we deal with, click here.
We’ve also described a few case studies to illustrate the diversity of our client situations, show how we work, and demonstrate what we can do for you. Click here to read about these real-life situations and how we helped our clients.
If your situation doesn’t fit into one of the scenarios we’ve described (or a variation on it), you’re pretty unique. We’d like to hear about it. Because if we can’t solve it for you, we don’t believe there’s anyone out there that can.
We work with anyone – individual or business – that has a North Carolina health insurance need. Period. No conditions, no exceptions, no exclusions. Come to us with your need, and if there’s a policy out there to fit your needs and your circumstance, we’ll find it – guaranteed.
Interested in how we can make that claim? Read on…
“As a nonprofit director, it can seem overwhelming to review health insurance options and find the most affordable and high quality options for a small staff. We relied on the great staff at John F Sipp & Associates to navigate this system for us; in the process we saved money that we could use for our programs.”
You have a pre-existing condition – high blood pressure, high cholesterol, diabetes, perhaps even HIV – and you’re concerned that insurance carriers will turn down your application
You lost your job, and COBRA seems too expensive, especially when you don’t have an income
You just landed a new job, but your company’s benefits don’t kick in for 90 days
You’re relocating and you’re considering transferring your current plan, but your carrier quoted you an outrageous rate
You’re relocating and you’re considering transferring your current plan, but none of your in-plan medical service providers work in the area of your new home
You’re getting divorced or legally separated, you’re currently on the same plan, and you think your coverage should still be good, but you’re not sure
You’re a recent graduate, you’re currently on your parents’ insurance, and you’re planning on continuing using their coverage
You’re newly wed and you’re wondering – your plan or mine?
You’re thinking about starting a family, and what your best options are to cover your pregnancy
Your current plan is simply too expensive, and the coverage isn’t that great either, but there just doesn’t seem to be a better deal out there (or at least one that you’ve been able to find)
You’re approaching retirement, you’re not sure if Medicare is going to cover your needs, and what with its alphabet soup of plan components and their different conditions, who can figure it out anyway?
You’re a frequent traveler, and you don’t want to have to get sick in a foreign country to find out if your coverage truly extends that far
You have three healthy kids, a fourth with diabetes, and you just don’t know what your best options are to get the right combination of coverage at a reasonable cost
You’re self-employed, and don’t know if it’s better to go on your spouse’s company plan, start up a group plan of your own, or take out an individual policy
You’re sick and tired of spending hours on the phone and being shunted from pillar to post by huge insurance companies that see you as a number
You’re a foreign national, you’re not sure what you’re eligible for, and to you the US insurance landscape is just a blur of acronyms, complicated rules and legalities, and policies with so many different variations and exclusions that it’s impossible to understand or compare them
Come to think of it, you’re a US national, and to you the insurance landscape is just a blur of acronyms, complicated rules and legalities, and policies with so many different variations and exclusions that it’s impossible to understand or compare them
Click here to see how we work with situations like these to get the best health insurance for your situation.
“A health insurance agency with a heart! Always available with helpful and friendly advice.”
The soaring costs of your health plan are starting to impact your bottom line, in a material way
You have an HR department of one (or none), and you’re struggling to keep up with all the administrative work involved in managing the plan
Your HR department spends a disproportionate amount of their time dealing with employees’ billing and claim issues
You’re starting to grow, you’re taking on more employees, and you’re struggling just to stay ahead of the game, never mind checking if your current plan is the best for where your company’s going
Your current plan no longer meets the needs of your employee base
You’re just not happy with the service and coverage of your current plan
You’re happy with your current group policy and carrier, but not with the performance of your agent
You’re starting a new business, you’re investigating what your options are, and you can’t get insurance companies or agents to talk to you because your doors aren’t open for business yet
You’re simply shopping around
In response to the highly competitive market you’re in, you’ve been told to drastically cut costs, and you’re wondering what room you have to shave something off your health plan expenses
You lost a key hire just last month because your health plan didn’t square up with his expectations
You heard of a business that got sued by an employee who lost benefits because the company was unknowingly administering their group policy improperly (and their carrier didn’t warn them)
You have a business domiciled in North Carolina with branch offices in Tennessee, Georgia, and South Carolina
Your insurance company sent your renewal notice the day before it was due, along with a massive cost increase
Confidential medical information about your employees is leaking out, causing discomfort for those being discussed, and one of them recently threatened to quit over their loss of privacy
You heard about a company that recently got levied a hefty fine by the Department of Labor because of some irregularities in their administration of COBRA when one of their employees was terminated
Click here to see how we work to get the best health insurance plan for your business needs.