Get clear answers to your health insurance questions. Our expert team at Broad River Insurance is here to guide you through Medicare options, marketplace plans, and dental/vision coverage. Can't find what you're looking for? Contact us directly for personalized assistance.
Quick ContactA: Broad River Insurance offers a comprehensive range of insurance products including health insurance (individual, group, and short-term), life insurance (term, universal, and whole life), Medicare plans and supplements, and additional coverage options such as dental, vision, disability, and accident insurance.
A: You can get a quote by clicking the "Get Quote" button on our website, calling our Brevard office at (828) 884-3885, or visiting us in person at 22 Trust Ln, Suite #1, Brevard, NC 28712.
A: We work with all major insurance companies including BlueCross BlueShield of NC, BlueCross BlueShield of SC, Aetna, Humana, United Healthcare, and many more.
A: You can reach our licensed agents by phone at (828) 884-3885 or by filling out the contact form on our website. Our team of experienced professionals is always ready to assist you with any insurance needs.
A: We offer individual health insurance, group health insurance, and short-term health coverage options to fit your specific needs and budget.
A: You can enroll during the Annual Open Enrollment Period. If you miss this period, you may qualify for a Special Enrollment Period if you experience qualifying life events such as marriage, birth of a child, loss of existing coverage, or moving to a new area.
A: HMO (Health Maintenance Organization): Requires you to choose a primary care physician and get referrals for specialists. Generally lower premiums but limited network.
PPO (Preferred Provider Organization): More flexibility in choosing providers with both in-network and out-of-network coverage, usually at higher premiums.
HDHP (High Deductible Health Plan): Lower premiums but higher deductibles, often paired with HSAs (Health Savings Accounts).
A: Depending on your income and household size, you may qualify for premium tax credits or cost-sharing reductions that lower your monthly premiums and out-of-pocket costs for marketplace plans.
A: Short-term health insurance through United Healthcare is ideal if you are:
- Waiting for your ACA coverage to start
Looking for coverage to bridge you to Medicare
- Turning 26 and coming off your parent's insurance
- Between jobs or waiting for benefits to begin at your new job
- Unable to apply for ACA coverage due to missing Open Enrollment and not qualifying for a special enrollment period
A: You can get covered as soon as the day after application.
A:You can select your length of coverage up to 360 days in North Carolina. If you need coverage for more than 360 days, we also offer Tri-Term plans that provide coverage for up to 3 years with locked-in rates.
A: Yes, you can drop coverage with no penalty and receive a refund on unused premium if a more permanent health insurance option becomes available.
A: You should consider Medicare as you approach your 65th birthday if you are a U.S. citizen or permanent resident and you or your spouse has been employed for at least 10 years.
A:Medicare Plan A: Covers hospital insurance including hospital care, skilled nursing facility care, hospice care, and home health services.
Medicare Plan B: Covers medical insurance including doctor visits, preventive services, ambulance services, and physical and speech therapy.
Medicare Plan C: Medicare Advantage plan that includes Part A and B benefits plus prescription drug coverage.
Medicare Plan D: Covers prescription drugs including both brand-name and generic medications.
A:You can enroll during specific periods:
Initial Enrollment Period: Dependent on your 65th birthday
Annual Enrollment Period: October 15th - December 7th
Open Enrollment Period: January 1st - March 31st
Special Enrollment Periods: For qualifying life events
A: Medicare Supplement insurance helps cover expenses such as copayments and deductibles that are not covered by Original Medicare. Benefits include:
Coverage for costs left by Original Medicare
Guaranteed acceptance for coverage
No waiting periods for pre-existing conditions
A: We offer term life insurance, universal life insurance, and whole life insurance policies.
A: Term Life: Provides coverage for a specific period (term) at lower premiums
Universal Life: Permanent coverage with flexible premiums and potential cash value accumulation
Whole Life: Permanent coverage with fixed premiums and guaranteed cash value growth
A: The amount of life insurance you need depends on various factors including your income, debts, future financial obligations, and family needs. Our licensed agents can help you determine the appropriate coverage amount for your situation.
A: Our dental plans through BCBS and United Healthcare typically cover:
Basic and preventive dental care
Access to expansive provider networks
Flexibility to use both in and out-of-network providers
No waiting periods
A: Can I get dental insurance as a standalone policy?
A: We offer vision insurance plans that typically cover eye exams, prescription eyeglasses, and contact lenses.
A: Yes, we offer disability insurance options to provide income protection if you become unable to work due to an illness or injury.
A:You can select your length of coverage up to 360 days in North Carolina. If you need coverage for more than 360 days, we also offer Tri-Term plans that provide coverage for up to 3 years with locked-in rates.
A: Accident insurance provides benefits to help cover costs associated with accidental injuries, regardless of any other insurance you may have.
A: To make a payment, please call the number for your specific carrier or visit their website:
BlueCross BlueShield of NC:
Initial Pay: 888-802-2386
Monthly Pay: 800-333-7009
Website: Bluecrossnc.com/members
Aetna:
Pay By Phone: 844-365-7373
Website: Aetnacvshealth.com
For other carriers, please contact our office and we'll be happy to provide you with the correct payment information.