medical insurance for fam of four in north carolina?

Question

I am relocating from south east Asia to the state of north Carolina, need to find out how much a self insured family of four can expect to pay in monthly premium for a managed health care program like blue cross blue shield or kaiser permanente.
no smart ars answers please, because I just report you as a email violator, this is a serious question.
no need either for a long speech about qualifying for Medicaid, I already know I won't qualify for that.

Answer 1

Welcome to the USA! You've probably noticed that insurance is quite expensive. You might want to look into a discount benefits program, which will give you discounts on all your medical services for a LOW monthly fee. You would only pay $19.95 per month for the dental plan, or $59.95 per month for the full medical plan for your entire family. Both plans include free vision, prescription, & chiropractic benefits. This is what I use because I couldn't afford insurance & I don't qualify for Medicaid. You can find out more at www.everyonebenfits.com/40434932 or I can give you more info. [phone]

Answer 2

Figure you can pay anywhere from $1000 a month to $2100 a month, depending on the plan and the coverage you're looking for. Plans that have a higher deductible have the lowest premiums, in general. The less out of pocket at the time of service (i.e. copay or deductible), the more you're going to pay in premiums. Cost-sharing plans are also less expensive premium-wise, because in addition to whatever copay you pay at the time of service, you then pay a portion of the bill after the insurance processes it. (Usually about 10% of the contracted rate - that's why if you have a deductible or cost-sharing plan, you shouldn't pay up front until you plan is billed, aside from any copay. What the plan is billed and what they pay are usually two different things.)