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Individual Health Insurance
With the help of your trusted Latorre Insurance agents, you will discover that, not only is health insurance vital to your future, it’s affordable as well. Schedule your consultation today to learn more. We will help you find a custom health insurance plan that provides you the coverage you need at an affordable price.
It can be terrifying to consider the possibility that, at any moment, serious illness or injury could affect you or your loved ones. While it can be easy to ignore such fears, such ignorance is not wise; should this unfortunate event occur, you could be left with medical bills and payments which would be impossible to cover on your own. This is why planning ahead, through the purchase of health insurance, is important in safeguarding your future, as well as the futures of those that you love.
Latorre Insurance understands how intimidating these kinds of thoughts can be, which is why we want to do the worrying for you, providing you with personalized guidance and plans. By providing you with a variety of health insurance plans to compare, we will then assist you in selecting the plan most appropriate for your personal needs. Health insurance can protect you from loss of finances, injury incurred by accident or illness, and can even cover the cost of prescription medications.
Health insurance can help:
- Pay for prescription drugs
- Provide payments for major medical coverage
- Cover routine check-ups and physicals
- Provide financial help for specialized visits, including for vision or the dermatologist
Contact us today. With multiple locations, we are excited to discuss your health insurance options further.
* Coverage and exclusions vary from policy to policy. Please review the specific policy for details.
Health Insurance FAQs
Have questions? We have answers! Below are some of the most frequently asked questions we receive about health coverage for 2022:
When can I enroll to obtain coverage for 2022?
Open Enrollment starts November 1st 2021. Deadline is December 15th 2021 for coverage that starts effective January 1, 2022.
How can I get ready to apply for 2022 Health Insurance?
Make sure you have everything you need by using this checklist.
Can I obtain a health insurance without having a valid SSN?
An applicant must be a permanent resident of the State of North Carolina in order to initiate an application. An applicant must provide at least one of the following as proof: NC voter registration, valid, unexpired NC driver license, current NC tax return, NC ID card issued by the DMV or a deed/lease signed by the applicant for an apartment, house, modular unit, or manufactured home with an utility bill that both display the same address as listed on this residency form.
Can I receive assistance on paying for the 2022 Marketplace plan?
When you apply for coverage in the Health Insurance Marketplace, you’ll find out if you qualify for a “premium tax credit” that lowers your premium — the amount you pay each month to your insurance plan. The amount of your premium tax credit depends on the estimated household income for 2022 that you put on your Marketplace application.
Can I still get health coverage for the rest of 2021?
Outside Open Enrollment you can get health insurance 2 ways:
- Through Medicaid or The Children’s Health Insurance Programs (CHIP) You can apply any time and can obtain coverage if you’re eligible.
- Qualify for the special enrollment period- You can qualify if you lose job-based coverage, have a baby, get married, or have certain other life changes. You must apply for coverage within 60 days of the life changing event.