Providing Health Insurance For Over 30 Years

Health Insurance Advisors is competent, confident, and licensed to provide unmatched health insurance services at competitive rates. We’ve helped millions of members apply and receive appropriate health insurance benefits, and we can’t wait to include you among them.
Health Insurance Plans

innovative health coverage

We understand that one size does not fit all. That's why you get access to a full portfolio of health insurance plans tailored to your specific needs.

North Carolina Health Insurance

Dedicated agents

We provide extensive evaluations to ensure your health insurance benefits fit your situation, budget, and convenience.

Health Insurance Near Me

customer oriented

Health Insurance Advisors strives to develop and maintain long-term relationships with our members, constantly delivering on our promise of dependability.

Health Insurance Plans

innovative health coverage

We understand that one size does not fit all. That's why you get access to a full portfolio of health insurance plans tailored to your specific needs.

North Carolina Health Insurance

Dedicated agents

We provide extensive evaluations to ensure your health insurance benefits fit your situation, budget, and convenience.

Health Insurance Near Me

customer oriented

Health Insurance Advisors strives to develop and maintain long-term relationships with our members, constantly delivering on our promise of dependability.

Health Insurance in Pineville, NC 28134

3 Important Factors to Consider When You’re Looking for Affordable Health Insurance in Pineville, NC

For more than a decade, Health Insurance Advisors, a trusted Pineville, NC health insurance advisor has been helping business owners, families, and individuals in Mecklenburg County find affordable health insurance plans. Whether you’re looking for a group, an individual, or a family health insurance plan, you can count on our team of highly knowledgeable and skilled experts to help you design an effective insurance program that will be customized to meet your unique needs.

Our competitively-priced plans offer optimum protection; what’s more, we make enrollment quick and easy. When you choose Health Insurance Advisors as your Pineville, NC health insurance advisor, you can feel confident knowing that you’ll find comprehensive, yet affordable health insurance for yourself, your family, or your employees.

3 Things to Consider When You’re Looking for Affordable Health Insurance in Pineville, NC

Having the right health insurance plan is extremely important. With the high price of healthcare in Mecklenburg County, even minor ailments and injuries, such as a sore throat or sprained ankle, can cost a fortune and cause serious financial strain.

As such, you want to make sure that you find an affordable health insurance plan that offers comprehensive coverage. Of course, finding a plan that ticks off both of these boxes is a lot easier said than done, but it is possible; you just have to know what factors to consider.

When you’re researching Pineville, NC health insurance plans, take the following factors into consideration and you should be able to find a policy that will offer reliable coverage at a price that you can afford.

Premium, Deductible, and Your Health

The premium and deductible have a direct impact on the cost of your health insurance. The premium is the price you pay each month to maintain your plan. A deductible is an up-front contribution that you’ll need to pay before the insurer will payout.

If affordable health insurance is your goal, a low premium can be very attractive; however, do bear in mind that some Pineville, NC health insurance companies can charge low premiums, but the deductibles are high, which can really hit you in the pocket when you do need to file a claim. On the other hand, higher premiums translate to lower deductibles, so while you’ll pay more each month, you’ll pay less when you need to file a claim.

When you’re weighing your options, consider both the premium and deductible, as well as the state of your health. If you want affordable health insurance and you’re in generally good health, a low premium and high deductible may work for you; however, if your health is poor or you’re exposed to hazardous conditions on a regular basis, a higher premium and lower deductible may be a better choice.

Prescription Coverage

Are you currently taking prescription medications on a regular basis for a chronic condition? If so, when you’re looking for affordable health insurance, check to make sure the drugs you are taking are featured on the formulary (a list that features the drugs the insurance company covers) of the plan you are considering. If the medications you are taking aren’t covered by a Pineville, NC health insurance plan, cross it off your list, otherwise, you’ll likely end up having to pay exorbitant out-of-pocket expenses.

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Health Savings Account

It’s also a good idea to consider whether or not contributing to a health savings account (HSA) is something that you are interested in. Basically, an HSA is like personal savings account that you can use to cover the cost of your medical expenses. If you have disposable income, this is a great option if you want to build an emergency fund for your healthcare costs. Individuals and families can make thousands in tax-deductible contributions to their accounts.

Do note that you will need to qualify for a health savings account. To qualify, your Pineville, NC health insurance plan will need to support it, and you cannot be claimed as a dependent on somebody else’s tax return. If you want to protect yourself from unexpected – and costly – healthcare expenses, an HSA is an option worth considering.

Contact a Trusted Pineville, NC Health Insurance Advisor

For help finding an affordable health insurance plan in Mecklenburg County that offers comprehensive coverage, contact Health Insurance Advisors. To speak to one of our advisors, call 704-230-1038 today!


Some information about Pineville, NC

Pineville is a suburban town in the southernmost portion of Mecklenburg County, North Carolina situated in the Waxhaws district between Charlotte, North Carolina and Fort Mill, South Carolina.

Pineville was changed forever when the initial segment of Interstate 485 opened to traffic. Although the one-mile (1.6 km) stretch connecting interchanges at NC Highway 51 and South Boulevard was designed to divert through traffic around Charlotte via a freeway loop, I-485 incidentally passed directly through Pineville.

In the years to follow, largely undeveloped land adjacent to Pineville’s two I-485 interchanges exploded into what is now the largest shopping district in North Carolina. With nearly 8,000,000 square feet (743,000 m2) of retail space, Pineville is home to the 1,100,000-square-foot (100,000 m2) Carolina Place Mall, at least two and many strip malls, outparcels and free-standing retailers.

Pineville has, historically, been a textbook example of urban sprawl. Because its growth was largely motivated by the introduction of a freeway to the area, the Pineville shopping district generally requires a motor vehicle for access. Despite 8,000,000 square feet (743,000 m2) of new retail space, the population of Pineville in 2000 (3,449), was barely greater than it was in 1990 (2,970). This was partly a consequence of Pineville’s geographic location. Sandwiched between Charlotte and the South Carolina state line, Pineville cannot expand its municipal boundaries. Substantial undeveloped land available prior to the introduction of I-485, was rapidly purchased by developers and approved for retail use nearly without exception, quickly sealing Pineville’s fate as a place that is known to many but home to few. This is an example of the criticism that sprawl causes excessive single-use zoning. The 2010 census, however, gave Pineville a population of 7,479—more than double the population it had in 2000—so the trend seems to be reversing.

Learn more about Pineville.

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