Business Details
5 Years
experience
Your Trusted Insurance Partner in Raleigh, NC
Health Insurance Solutions of NC was founded to provide individuals and families with personalized health insurance solutions tailored to their unique needs. With over two decades of experience in sales and business development within the insurance industry, our owner Wanda Stephens leverages her expertise to help clients navigate complex insurance markets. We specialize in Medicare supplements, Advantage plans, short-term medical coverage, dental, and vision insurance while maintaining partnerships with 21 top-rated insurance carriers. Our independent agency model allows unbiased comparisons across providers, ensuring clients receive optimal coverage at competitive rates.We prioritize education throughout the enrollment process, helping clients understand policy details, network restrictions, and subsidy eligibility requirements. Our home-based operation enables extended availability for client consultations beyond standard business hours. Through affiliations with organizations like NABIP and participation in community outreach programs, we maintain current industry knowledge while supporting local job seekers in securing essential health coverage.
Services
Health Insurance
Medicare Supplements
Medicare Advantage
Short-Term Medical
Dental Insurance
Vision Insurance
Details
- Year established: 2021
Highlights and features
- We offer 20+ years of insurance industry experience in sales and business development
- Our agency represents 21 top-rated insurance companies for unbiased comparisons
- We provide personalized assistance with government subsidy applications
- Our home-based operation allows evening and weekend client consultations
- We maintain active membership in the National Association of Benefits and Insurance Professionals
What people say
Very knowledgeable
Helpful assistance
Great plan options
Responsive communication
Clear explanations
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families, including marketplace plans compliant with the Affordable Care Act. Our services help clients compare options from multiple carriers to find coverage that matches their medical needs and budget. We specialize in explaining subsidy eligibility and application processes for lower-income households.
Medicare Supplements
Our Medicare supplement policies help cover out-of-pocket costs not paid by original Medicare, including deductibles, copayments, and coinsurance. We assist clients in comparing plan F, G, and N options from various insurers while explaining network restrictions and prescription drug coverage limitations.
Medicare Advantage
We offer Medicare Advantage plans that bundle Part A, B, and often D coverage with additional benefits like dental, vision, and gym memberships. Our comparative analysis helps clients understand network limitations, specialist referral requirements, and total out-of-pocket costs across different plan options.
Short-Term Medical
Our short-term medical insurance provides temporary protection during life transitions like job changes or retirement. These plans cover unexpected illnesses and accidents with effective dates as soon as the next day, though they exclude preventive care and pre-existing condition coverage as required by federal regulations.
Dental Insurance
We offer dental insurance plans covering preventive care, basic procedures, and major restorative treatments. Our comparative service helps clients evaluate coverage levels for cleanings, fillings, crowns, and dentures while verifying network dentists in their geographic area.
People
Wanda Stephens
Owner
A North Carolina native with 20+ years in insurance sales, Wanda holds an MBA from East Carolina University. She previously worked in corporate sales before founding her independent agency. She specializes in ACA-compliant plans, Medicare solutions, and dental/vision insurance while maintaining active NABIP membership.
Questions
What health insurance options exist for North Carolina residents?
We offer ACA-compliant marketplace plans, short-term medical coverage, Medicare supplements, Advantage plans, dental, and vision insurance from multiple carriers including Blue Cross NC and Aetna.
How do Medicare supplement plans work?
Medicare supplements cover out-of-pocket costs from original Medicare, including deductibles and coinsurance. Plans vary in coverage levels (F, G, N) with premiums affected by rating methods and geographic location.
Can I get insurance without employer coverage?
Yes, we help individuals and families find ACA-compliant plans with potential subsidies based on income. We also offer short-term medical options for transitional periods.
What information is needed for subsidy applications?
We require household income details, social security numbers, and residency documentation to determine subsidy eligibility through the healthcare.gov marketplace.
How do I compare different Medicare Advantage plans?
We analyze network hospitals, prescription drug coverage, premium costs, and additional benefits like dental to help select the most appropriate plan for your healthcare needs.
Reviews (2)
Linda Sellers
Aug 10, 2020
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Wanda, my Agent, makes my 5 star experience. She is always available to answer questions thoroughly in terms the average non-Insurance person understands. I am happy with my plan which she and I together determined was best for me.
Grateful for her service to the public. I also like to call her friend.
Linda Sellers
Grateful for her service to the public. I also like to call her friend.
Linda Sellers
Jeff SanGeorge
May 09, 2020
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Positive:Quality,Responsiveness
Wanda helped me get affordable insurance for my family in a time when I really needed the help. Her expertise was very helpful and she went above and beyond to make sure we had the right coverage. I highly recommend her.
Wanda helped me get affordable insurance for my family in a time when I really needed the help. Her expertise was very helpful and she went above and beyond to make sure we had the right coverage. I highly recommend her.
