Business Details
Your Trusted Insurance Partner in Raleigh, NC
Health Insurance Solutions of NC was founded to address the growing need for accessible, affordable health insurance options in North Carolina. With over two decades of experience in sales and insurance, our owner Wanda Stephens established the company to help individuals and families navigate complex insurance markets. We specialize in Medicare supplements, Advantage plans, ACA-compliant policies, and short-term medical coverage while maintaining deep expertise in dental, vision, and health savings accounts.Our team provides unbiased comparisons across 21 top-rated insurers, leveraging advanced tools to streamline the application process. We prioritize client education and personalized service, maintaining active memberships in professional organizations like NABIP to stay at the forefront of industry changes. Our home-based operation allows extended availability to accommodate client schedules, and we maintain strict compliance with all privacy regulations when handling sensitive information.
Services
Medicare Supplements
Medicare Advantage
Short-Term Medical
ACA/Obamacare Plans
Dental Insurance
Vision Coverage
Health Savings Accounts
Medicaid Assistance
Individual/Family Plans
Employer Group Plans
Highlights and features
- 20+ years of insurance industry experience with specialized Medicare expertise
- Independent representation of 21 top-rated insurance companies
- Personalized application assistance with government subsidy expertise
- Active membership in National Association of Benefits and Insurance Professionals
- Flexible availability including evenings and weekends
What people say
Very helpful
Tremendous knowledge
Took the confusion out
Zero monthly premium
Half the previous cost
Services
Medicare Supplements
Medicare supplements help cover out-of-pocket costs left by standard Medicare coverage. These plans assist with deductibles, copayments, and coinsurance for hospital and medical services. Our experts help clients compare policies to find coverage matching their specific healthcare needs and budget requirements.
Medicare Advantage
Medicare Advantage plans offer comprehensive coverage through private insurers approved by Medicare. These plans often include additional benefits like prescription drug coverage and wellness programs. We help clients evaluate network providers, premium costs, and coverage details to select optimal plans.
Short-Term Medical
Short-term medical policies provide temporary health coverage during life transitions like job changes or retirement. These plans offer flexibility for unexpected medical needs but exclude pre-existing conditions. We help clients understand coverage limitations and compare options for their specific timeframe.
Health Savings Accounts
Health Savings Accounts provide tax-advantaged savings for qualified medical expenses. These accounts pair with high-deductible health plans to create flexible healthcare financing solutions. We guide clients through eligibility requirements, contribution limits, and investment options for long-term healthcare planning.
ACA/Obamacare Plans
Affordable Care Act compliant plans offer guaranteed-issue health coverage with essential benefits. We help clients navigate subsidy eligibility, compare network providers, and understand premium cost structures. Our assistance includes application support for government marketplace plans and special enrollment guidance.
People
Wanda Stephens
Owner
Raleigh native with 20+ years in insurance sales and corporate development. Former high school teacher and MBA graduate specializing in Medicare and ACA compliance. Active in local job seeker support groups and WRAL ACA phone banks.
Questions
What insurance options exist when losing employer coverage?
We help clients explore ACA-compliant plans, short-term medical policies, and Medicaid eligibility when transitioning from employer-sponsored insurance.
How do I qualify for a government subsidy?
Subsidy eligibility depends on household income (100-400% FPL), citizenship status, and existing insurance affordability. We help evaluate your specific qualifications.
Can I keep my current doctors with new insurance?
We verify network participation for your preferred providers when comparing plans to ensure continuity of care with your chosen medical professionals.
What's the difference between Medicare supplement and Advantage plans?
Medicare supplements cover gaps in original Medicare, while Advantage plans are private alternatives with additional benefits and network restrictions.
How do I apply for marketplace insurance?
We guide clients through the entire process, from collecting required documentation to submitting applications via healthcare.gov or direct enrollment.
