The top-rated health insurance agent in Charlotte, North Carolina is Health Plans of NC, rated 5.0 stars across 1,184 reviews. Other highly rated options include CAP Insurance Group, Laurie Insurance Group, Latorre Insurance. This directory lists 41 health insurance agents serving Charlotte.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Health Plans of NC | 4350 Congress St UNIT 300 | (800) 797-0327 |
| 2 | CAP Insurance Group | 1524 E Morehead St Suite 300 | (704) 540-4200 |
| 3 | Laurie Insurance Group | 2701 Coltsgate Rd Suite 100 | (704) 342-2886 |
| 4 | Latorre Insurance | 124 N McDowell St | (704) 566-8181 |
| 5 | Flex Insurance, NC | 8318 Pineville-Matthews Rd #280g | (980) 999-5511 |
| 6 | Capstone Insurance Agency | 6132 Brookshire Blvd suite b | (704) 391-8483 |
| 7 | Carolinas Coverage Insurance Agency | 410 Westinghouse Blvd Suite B | (704) 595-3429 |
| 8 | Daniela Melendez - State Farm Insurance Agent | 9620 Longstone Ln A | (704) 733-9022 |
| 9 | O'Connor Insurance Associates, Inc. | 1973 J N Pease Pl #203 | (704) 510-8884 |
| 10 | Pruitt Keener Insurance | 8832 Blakeney Professional Dr #203 | (704) 759-1300 |
Health Plans of NC serves the Charlotte, North Carolina metro area as a health insurance agent, helping individuals and families find insurance coverage that fits their needs. It offers guidance on plan options available through federal and state marketplaces, assisting with enrollment and helping clients navigate changes in coverage. The agency also provides support for Medicare supplement plans and short-term health insurance policies in this region.
CAP Insurance Group serves Charlotte, North Carolina, and the surrounding communities, handling health insurance plans for individuals and families. The agency addresses a range of coverage needs, from major medical policies to supplemental plans that help with out-of-pocket costs. Agents work with clients to compare options from multiple carriers, explaining the differences in deductibles, copays, and network restrictions. To manage a typical job, the agency uses a consultative process that begins with a thorough review of each client’s healthcare history and budget before presenting plan recommendations.
As a health insurance agent in Charlotte, NC, Laurie Insurance Group specializes in helping individuals and families select individual and family health plans. It also works with small business owners to navigate group health insurance options for their employees. The agency assists clients throughout the annual open enrollment period and during qualifying life events. Beyond plan selection, it helps residents understand coverage specifics like network access and prescription drug benefits. For those facing sudden job loss or a change in family status, Laurie Insurance Group provides guidance on obtaining timely, compliant coverage.
Latorre Insurance helps individuals and businesses in Charlotte select health coverage that fits their medical needs and financial situations. The agency specializes in supplementing basic plans with options for dental, vision, and critical illness protection. Clients benefit from guidance through enrollment periods and claims questions without pressure. The company serves a variety of commercial sectors, including local offices, warehouses, and food service establishments.
Flex Insurance, NC specializes in helping individuals and families find individual health plans, short-term medical coverage, and Medicare supplements in Charlotte, North Carolina. It generally assists clients by comparing available marketplace policies and explaining how different deductibles and copays affect monthly premiums. The agent works to match each person’s healthcare needs with a suitable carrier. During the annual Open Enrollment Period or after a qualifying life event, it helps customers secure coverage that prevents gaps in medical care and avoids tax penalties.
Capstone Insurance Agency in Charlotte, North Carolina distinguishes itself by offering both one-time plan comparisons and recurring support for ongoing coverage needs. Their health insurance agents help individuals and families navigate annual enrollment periods, as well as Medicare and marketplace plan selections. They also assist small business owners in understanding group health options. Service is available on a scheduled appointment basis to discuss new policies or adjust existing coverage under changing circumstances.
Based in Charlotte, North Carolina, Carolinas Coverage Insurance Agency assists individuals and organizations in navigating various medical insurance options. The agency specializes in finding suitable add-on coverage that addresses gaps in standard plans. Their services focus on helping clients understand complex policy details to make informed decisions about their healthcare needs. This independent agency provides tailored solutions for commercial sectors, including local offices, warehouses, and food service establishments.
Each year, as open enrollment approaches, Charlotte residents often seek to adjust their health coverage to match changing medical needs. Daniela Melendez - State Farm Insurance Agent provides guidance for navigating those annual policy decisions, helping clients compare marketplace options and supplemental plans for the year ahead. The office focuses on explaining coverage details clearly, assisting with applications, and confirming plan networks specific to North Carolina providers. New clients start by scheduling a brief consultation to review their current health circumstances and identify suitable insurance adjustments.
O'Connor Insurance Associates, Inc. serves residents of Charlotte and the surrounding North Carolina communities with personal health insurance coverage. For local businesses, the agency also assists in securing group health plans and navigating employee benefits options. The service area concentrates primarily on the greater Charlotte metropolitan region. Clients can expect the agent to facilitate follow-up enrollment or policy adjustments between regular annual enrollment periods, ensuring ongoing coverage needs are met with professional coordination.
What Does a a Health Insurance Agent in Charlotte Cost?
Health insurance agents in North Carolina usually do not charge you directly for their services. They earn commissions from insurance carriers, which are built into the plan premiums. For ACA plans, premiums in Charlotte range from around 300 to 700 dollars per month for a single adult depending on income and plan tier. Medicare agents may offer free assistance. This is general information and not insurance advice.
About health insurance agents in Charlotte
Health insurance agents in Charlotte, North Carolina help individuals and families find coverage through the federal marketplace or private insurers. Under North Carolina law, agents must be licensed by the North Carolina Department of Insurance and follow state regulations for plan disclosures. They can explain options like ACA qualified health plans, Medicare Advantage, and short-term medical policies available in Mecklenburg County.
Frequently Asked Questions
What types of health insurance plans can a Charlotte agent help me find?
Charlotte agents can help you enroll in ACA marketplace plans, Medicare Part D and Advantage plans, short-term medical policies, and group health insurance for small businesses. They also assist with North Carolina specific programs like NC Medicaid expansion.
Is there a fee to use a health insurance agent in North Carolina?
Most health insurance agents in North Carolina are paid by the insurance company, not by you. However, some agents may charge a consulting fee for complex cases. Always ask about fees before starting the process.
What deadlines apply for health insurance enrollment in Charlotte?
Open enrollment for ACA plans in North Carolina typically runs from November 1 to January 15 each year. Special enrollment periods are available for qualifying life events like losing other coverage or moving to Charlotte.