Where to Get Health Insurance Coverage in Winston-Salem, NC

Finding the right health insurance is an important step in protecting your well-being and financial security. For individuals and families in Winston-Salem, NC, understanding your options and knowing where to turn for guidance can make all the difference. At Charles Brunson Agency, we’re dedicated to helping our neighbors navigate the health insurance landscape with confidence.

Where to Get Health Insurance Coverage

Residents of Winston-Salem, NC have several avenues for obtaining health insurance:

• The Health Insurance Marketplace—North Carolina participates in the federal Health Insurance Marketplace, where you can compare plans, check for subsidies and enroll during open enrollment or after qualifying life events.
• Employer-sponsored plans—Many local employers offer group health insurance as part of their benefits package. If you’re employed, check with your HR department to see what options are available.
• Private insurance carriers—You can purchase individual or family health plans directly from insurance companies or by working with a broker. This route may offer more flexibility in plan selection.
• Government programs—Medicaid and Medicare provide coverage for eligible individuals, including low-income families, seniors and people with certain disabilities.

Types of Health Insurance Plans Available

When exploring health insurance in North Carolina, you’ll encounter several plan types:

• Health maintenance organization (HMO)—This type of coverage requires you to use a network of providers and get referrals for specialists.
• Preferred provider organization (PPO)—A PPO may offer more flexibility in choosing providers and doesn’t require referrals.
• Exclusive provider organization (EPO)—These are similar to HMOs, but typically, you don’t need referrals, although you must stay within the network.
• High deductible health plans (HDHP)—Often paired with health savings accounts (HSAs), these plans can lower premiums but generally have higher out-of-pocket costs.

Learn More

Choosing the right health insurance can feel overwhelming, but the team at Charles Brunson Agency is here to simplify the process. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.