Insurance in Charlotte
Data source: US Census year 2000
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Uninsured in Mecklenburg County
Charlotte is the county seat of Mecklenburg County.
One out of ten people in Mecklenburg County (12.6%) lack health insurance. In the state of North Carolina, 14.1% are without.
Among the population under 18 years in Mecklenburg County, 11.2% are uninsured, while the figure for North Carolina is 12.2%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Safety in Charlotte
There are 5081 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Charlotte (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 91% of Charlotte residents drove to work, and 3% used public transport. 2% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Charlotte, North Carolina Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Charlotte, North Carolina
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AAA Sybcor Llc & PA
(704) 597-19809115 Harris Corners Pkwy
Charlotte, North Carolina 28269-3706 -
Advanced Insured Beefits
(704) 545-70918808 Glencroft Rd
Charlotte, North Carolina 28227-9759 -
Affordable Insurance Agency
(704) 688-5469, (704) 525-74644040 Triangle Dr
Charlotte, North Carolina 28202-2828 -
Agee, Richard W - State Farm Insurance Agent
(704) 541-99996404 Carmel Rd
Charlotte, North Carolina 28226-8278 -
ALTERNATIVE BENEFIT SOLUTIONS
(704) 365-61442115 Rexford Rd. Ste. 224
Charlotte, North Carolina 28211-3458 -
Ameri Life and Health Service of McKlnbrg Cnty Inc
(704) 568-59004801 E Independence Blvd
Charlotte, North Carolina 28212-5400 -
Assurance Insurance Agency Inc
(704) 399-95096000 Brookshire Blvd
Charlotte, North Carolina 28216-3389 -
Bluecross Blueshield of North Carolina
(704) 364-108811300 Lawyers Rd Ste M
Charlotte, North Carolina 28202-9334 -
Brooks, Willie E - State Farm Insurance Agent
(704) 542-082515720 John J Delaney Dr Su145
Charlotte, North Carolina 28277-3430 -
Brown, James W - State Farm Insurance Agent
(704) 588-960013209 Carowinds Blvd
Charlotte, North Carolina 28273-6735 -
Capital Insurance Agency
(704) 545-7000
Charlotte, North Carolina 28202 -
Carolina Insurance Solutions
(704) 921-44464918 N Graham St
Charlotte, North Carolina 28269-4825 -
Consolidated Agencies Incorporated
(704) 552-00375101 Central Ave
Charlotte, North Carolina 28205-5811 -
Consolidated Preferred Insuran
(704) 366-4275447 S Sharon Amity, Suite 240
Charlotte, North Carolina 28211-2850 -
Cornerstone America Rsl/S Melton
(704) 597-19809115 Harris Corners Pkwy
Charlotte, North Carolina 28269-3706 -
Dignity Group of the Carolinas
(704) 367-0980319 S Sharon Amity Rd
Charlotte, North Carolina 28211-2834 -
Dockery, Paul E - State Farm Insurance Agent
(704) 547-12771001 E Harris Blvd Ste D
Charlotte, North Carolina 28213-4104 -
Equan, Uwem E - State Farm Insurance Agent
(704) 535-40905412 B Central Ave
Charlotte, North Carolina 28212-2706 -
Fadeley, Kyle R - State Farm Insurance Agent
(704) 588-55858124 South Tryon
Charlotte, North Carolina 28273-3378 -
Fischer, Ronald F - State Farm Insurance Agent
(704) 568-21101904 Sharon Forest Dr
Charlotte, North Carolina 28212-6956 -
Grant, Michael A - State Farm Insurance Agent
(704) 373-74441727 East Blvd
Charlotte, North Carolina 28203-5823 -
Harman, Thomas G - State Farm Insurance Agent
(704) 543-40017825 Ballantyne Commons
Charlotte, North Carolina 28277-6550 -
Harvey, John H - State Farm Insurance Agent
(704) 525-99954108 Park Rd Ste 106
Charlotte, North Carolina 28209-2259 -
Haynes, Gene - State Farm Insurance Agent
(704) 549-15158316 Medical Plz Dr Ste A
Charlotte, North Carolina 28262-6702 -
Health Quotes
(704) 342-3888500 E Morehead St
Charlotte, North Carolina 28202 -
Heath Insurance Agency Inc - State Farm Insurance Agent
(704) 392-41666215 Brookshire Blvd
Charlotte, North Carolina 28216-3394 -
Hefferly Insurance Group
(704) 543-442411009 Jordan Rae Ln
Charlotte, North Carolina 28277-0198 -
Hinson Allegra
(704) 521-29313226 Pinehurst Pl
Charlotte, North Carolina 28209-3104 -
Howard Johnson Ins Agency Inc - State Farm Insurance Agent
(704) 947-72335342-A Prosperity Church Rd
Charlotte, North Carolina 28269-1133 -
Insurance Carolinas
(704) 566-1212, (704) 372-2121
Charlotte, North Carolina 28202 -
Jones II, David E - State Farm Insurance Agent
(704) 364-86474425 Randolph Rd
Charlotte, North Carolina 28211-2324 -
Jones J E & Associates Inc
(704) 527-57265200 Park Rd
Charlotte, North Carolina 28209-3650 -
Karen Woods Insurance Agcy Inc State Farm Insurance Agent
(704) 556-12667701 Sharon Lakes Rd
Charlotte, North Carolina 28210-7400 -
Kersey Royce Agency Ins
(704) 566-1212
Charlotte, North Carolina 28202 -
Kochman, Gary S - State Farm Insurance Agent
(704) 545-44229539 Idlewild Rd
Charlotte, North Carolina 28227-6015 -
Lyons Jeffrey S Clu Flm
(704) 752-077913777 Ballantyne Corporate Pl
Charlotte, North Carolina 28277-3417 -
Mamsi
(704) 586-27004421 Stuart Andrew Blvd
Charlotte, North Carolina 28217-1589 -
McAndrew, T David - State Farm Insurance Agent
(704) 542-65167808 Pineville-Matthews Rd
Charlotte, North Carolina 28226-5301 -
McCaw, Brian K - State Farm Insurance Agent
(704) 554-01445950 Fairview Rd
Charlotte, North Carolina 28210-3104 -
McDuffie, James D - State Farm Insurance Agent
(704) 568-6997819 Eastway Dr
Charlotte, North Carolina 28205-1426 -
McDuffie, James David - State Farm Insurance Agent
(704) 542-30008037 Corporate Center Drive
Charlotte, North Carolina 28226-4468 -
Messer Financial Group
(704) 568-96497100 Lawyers Rd
Charlotte, North Carolina 28227-3906 -
Morton, T Darin - State Farm Insurance Agent
(704) 541-303010316 Feldfarm Ln Ste 100
Charlotte, North Carolina 28210-8482 -
Mullen, James E - State Farm Insurance Agent
(704) 362-08006707 Fairview Rd
Charlotte, North Carolina 28210-3354 -
National Association For the Self Employed
(704) 845-1609
Charlotte, North Carolina 28202 -
National Health Insurance Co
(704) 948-33836603 Allness Glen Lane
Charlotte, North Carolina 28269-8095 -
Pettice, George D - State Farm Insurance Agent
(704) 523-1717756 Tyvola Rd Ste 110
Charlotte, North Carolina 28217-3535 -
Physicians Mutual Insurance Co
(704) 598-77609115 Harris Corners Pkwy
Charlotte, North Carolina 28202-3706 -
Piedmont Benefits Group
(704) 527-83661101 Tyvola Rd
Charlotte, North Carolina 28217-5514 -
Pritchard, Michael - State Farm Insurance Agent
(704) 841-25009111 Monroe Rd Ste 150
Charlotte, North Carolina 28270-2461 -
R M Beasley & Associates Inc
(704) 522-60004064 Colony Rd Ste 400
Charlotte, North Carolina 28202-5043 -
Ramsey, Leigh Ann
(704) 841-25009111 Monroe Rd
Charlotte, North Carolina 28270 -
Roberts, John E
(704) 541-906311038 Vista Haven Dr
Charlotte, North Carolina 28226-3642 -
Roger Craig Insurance Agcy Inc State Farm Insurance Agent
(704) 553-23271427 Emerywood Dr
Charlotte, North Carolina 28210-4105 -
Russell Insurance Brokerage Inc
(704) 295-07701200 E Morehead St
Charlotte, North Carolina 28204-2850 -
Rutledge Group Inc
(704) 543-557010724 Carmel Commons Blvd
Charlotte, North Carolina 28226-3999 -
Scott Storick & Associates
(704) 541-516611220 Elm Ln
Charlotte, North Carolina 28277-0715 -
Sease Agency
(704) 568-41114917 Albemarle Rd Ste 200
Charlotte, North Carolina 28205-6611 -
Shaffer, Aprille L - State Farm Insurance Agent
(704) 549-97118310 Univ Exec Park Dr
Charlotte, North Carolina 28262-3383 -
Shields, James Edwin - State Farm Insurance Agent
(704) 544-32007903 Providence Rd Su 170
Charlotte, North Carolina 28277-9745 -
Shillinglaw Ron & Associates
(704) 521-32234600 Park Rd
Charlotte, North Carolina 28209-3238 -
Sonya J Robinson Ins Agcy Inc - State Farm Insurance Agent
(704) 535-37004732 Kimmerly Glen
Charlotte, North Carolina 28215-4168 -
Speight, Donna J - State Farm Insurance Agent
(704) 523-90054730-A Park Rd
Charlotte, North Carolina 28209-4201 -
Stone, Melanie A - State Farm Insurance Agent
(704) 542-15008811 Blakeney Professional Dr
Charlotte, North Carolina 28277-9896 -
Todd Younker Ins Agency Inc - State Farm Insurance Agent
(704) 545-91117725 Matthews-Mint Hill Rd
Charlotte, North Carolina 28227-2604 -
United Health Care
(704) 586-27004421 Stuart Andrew Blvd
Charlotte, North Carolina 28217-1589 -
Wainscott J Agency
(704) 522-09829834 Willow Bark Ct
Charlotte, North Carolina 28210-7298 -
Wall Street Capitol Ballantyne
(704) 752-077913777 Ballantyne Crprte Pl
Charlotte, North Carolina 28277-3417 -
Wall Street Capitol Southpark
(704) 366-39674521 Sharon Rd
Charlotte, North Carolina 28211 -
Watson, E David - State Farm Insurance Agent
(704) 847-49002101 Sardis Rd N Ste 215
Charlotte, North Carolina 28227-6785 -
Wilson Richard
(704) 366-69974401 Colwick Rd
Charlotte, North Carolina 28211-2349 -
Wilson Robert B
(704) 548-36369620 University City Blvd
Charlotte, North Carolina 28213-3599 -
Wilson, Denis M - State Farm Insurance Agent
(704) 376-40881850 E 3rd St Ste 360
Charlotte, North Carolina 28204-3299 -
Wood Harvey & Associates Llc
(704) 519-00071515 Mockingbird Ln
Charlotte, North Carolina 28209-3236
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Charlotte Facts
Data source: US Census year 2000
Population
Population in Charlotte is 648,387.
55% of Charlotte residents are White, 34% are African-American, 4% are Asian, 4% are of some other race, 2% are a mix of two or more races, and 1% are Native American.
Economy
The median income in Charlotte is $31,501 for men, and $25,244 for women.
Compared to the typical person in the state of North Carolina, a resident of Charlotte makes 11.5% more. The trend for North Carolina is that the median income is increasing. (2006)
40,982 people (6% of the population) were living on an income below the poverty level as of 2006. The poverty in Charlotte was increasing compared to the year before.
The typical home is worth $164,300. 19% of Charlotte homeowners own their home outright, paying typically $397 per month in owner costs. Among those with a mortgage (81% of homeowners), the median monthly owner cost is $1,337. (2006)
Housing
There are a total of 293,954 homes in Charlotte. Of these, 3,155 were for sale, and 10,709 homes were available to rent in 2006. 160,555 (60%) were owner-occupied, and 105,213 (40%) were occupied by renters. (2006)
Age
The median age for men in Charlotte is 33, and in North Carolina the average man lives to be 73. The median age for women in Charlotte is 36, and women in North Carolina live to be 78, on average. (2006)
Education
The education level in Charlotte is high compared to the national average.
Among men over 25, 45% has a college degree, and 17% has some college. Out of the men that didn't study in college, 59% graduated from High School, and 41% dropped out.
Among women over 25, 45% has a college degree, and 21% has some college. Out of the women that didn't study in college, 65% graduated from High School, and 35% dropped out. (2006)
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