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Benefits Coverage
Just like most traditional employer-sponsored health plans, Inclusive Health covers a broad range of services, including preventive care, urgent care, outpatient services, a prescription drug benefit and other common health care services.
Inclusive Health offers several plan options, so you can choose the plan that best meets your individual medical and financial needs.
Benefits Policies, Summaries and Schedules
North Carolina Health Insurance Risk Pool Policy
North Carolina Health Insurance Risk Pool Policy Amendment
PPO 1000:
NCHIRP Policy and Benefits Summary | Benefit Schedule
PPO 2500:
NCHIRP Policy and Benefits Summary | Benefit Schedule
NEW PPO 3500:
NCHIRP Policy and Benefits Summary | Benefit Schedule
High Deductible Health Plan 5000 (HDHP):
NCHIRP Policy and Benefits Summary | Benefit Schedule
NEW: Download 2010 Rates!
January 1, 2010 Rates - Non-Tobacco Use
January 1, 2010 Rates - Tobacco Use
Benefit Plan Options starting Jan 1st.
Effective January 1, 2010
Beginning January 1, 2010, Inclusive Health will be offering a new benefit plan option. An additional PPO plan is being added with a $3,500 deductible. It includes all of the same benefits as the $1,000 and $2,500 deductible PPO plans but with a higher deductible and lower premium rates.
We have re-named our plans to reflect these changes:
PPO 1000 - PPO plan with a $1000 deductible (highest monthly premium)
PPO 2500 -- PPO plan with a $2500 deductible
NEW: PPO 3500 -- PPO plan with a $3500 deductible
High-Deductible 5000 - High Deductible health plan with a $5000
deductible - (lowest montly premium)
The benefit plan chart below shows a complete comparison of the plan options that will be available starting January 1, 2010:
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Premium rates are updated on an annual basis. Deductibles are calculated on a calendar - January - December. A new deductible will begin each year in January.
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