Of the numerous insurance products available in the marketplace today, health insurance is one
of the basics needed by most everyone. The Credit Union can assist in meeting this basic
member need with choices to help fit any budget.
The individual health insurance products available through the Credit Union are as follows:
Individual PPO Health Plan
One of the state's most popular individual health plans with a huge
provider network.
Applicants must be residents of North Carolina, under the age of 65
and not eligible for Medicare.
Applicants can personalize the deductible, coinsurance and benefit options
which work best for them.
Enrollment processing takes approximately 30 days. All applications are
individually underwritten.
High Deductible Health Plan / Health Savings Account
A high-deductible health plan that can cut premium
costs while offering significant tax advantages when paired with a Health
Savings Account.
HSA contributions are tax deductible, subject to annual limits, regardless of whether
deductions are itemized, with tax-free interest and withdrawals for eligible medical
expenses.
A very competitive Health Savings Account is offered by SECU and has been available
since January, 2005.
Short Term Health Care
Can provide coverage of 30, 45, 60 or 90 days for
unexpected health care expenses.
The pre-existing condition exclusion applies unless
transferring within 63 days from another health insurance plan.
The policy is not renewable and only one such policy
is available within a 12-month period.
Enrollment processing can be completed within a few days.
Dental
Covers checkups and cleanings twice per year with no
deductible for preventive services.
An annual deductible of $75 applies for basic and
major services with 50% coinsurance.
There is an annual maximum benefit of $1,000 for all services.
To get a coverage quote or to initiate application processing, please contact
an insurance specialist.
Our insurance specialists are licensed to sell insurance in North Carolina only.
