Insurance in Greensboro
Data source: US Census year 2000
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Uninsured in Guilford County
Greensboro is the county seat of Guilford County.
One out of ten people in Guilford County (12.8%) lack health insurance. In the state of North Carolina, 14.1% are without.
Among the population under 18 years in Guilford County, 10.5% 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.
Crime and Safety in Greensboro
Cities are generally less safe to live in than small towns. Violent crime in Greensboro is 89.3% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Greensboro is 86.9% higher than nationally.
There are 1902 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Greensboro (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 92% of Greensboro residents drove to work, and 2% 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.
Greensboro, 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 Greensboro, North Carolina
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Barnett-Smith Insurance
(336) 272-4554218 N Eugene St
Greensboro, North Carolina 27401-2222 -
Benefit Recovery Analysts
(336) 273-0737403 W Fisher Ave
Greensboro, North Carolina 27401-2039 -
Brown, Gary B - State Farm Insurance Agent
(336) 294-43414133 Spring Garden St
Greensboro, North Carolina 27407-1609 -
Bullock & Associates Inc
(336) 282-49602300 Red Forest Rd
Greensboro, North Carolina 27410-2938 -
Campbell Insurance Services
(336) 299-32202703 Hunt Club Rd
Greensboro, North Carolina 27401-4352 -
Chandler & Trogdon Insurance Agency
(336) 375-13132722 N Church St Ste A
Greensboro, North Carolina 27405-3661 -
Charles Insurance Agency
(336) 856-09103405 W Wendover Ave
Greensboro, North Carolina 27407-2377 -
Clewis Insurance Agency
(336) 854-17852007-C Boulevard St
Greensboro, North Carolina 27407 -
Cocklereece John
(336) 294-2065612 Pasteur Dr Ste 102
Greensboro, North Carolina 27403-1120 -
Compton Enterprises
(336) 547-2882600 Green Valley Rd Ste 305
Greensboro, North Carolina 27408-7731 -
Cottrell David E Ins
(336) 274-38571600 E Wendover Ave
Greensboro, North Carolina 27405-6871 -
Crutchfield, Zachary A - State Farm Insurance Agent
(336) 547-03163608 West Friendly Ave
Greensboro, North Carolina 27410-4833 -
Degraphenreid Ins Agency Inc - State Farm Insurance Agent
(336) 854-17374218 Hilltop Rd
Greensboro, North Carolina 27407-5314 -
Drew L Baker Ins Agcy Inc - State Farm Insurance Agent
(336) 288-88023606 N Elm St Ste J
Greensboro, North Carolina 27455-2585 -
Fisher, Ray A - State Farm Insurance Agent
(336) 275-53411107 W Market St
Greensboro, North Carolina 27403-1829 -
Ganim Insurance Agency Inc - State Farm Insurance Agent
(336) 282-92292020 New Garden Rd
Greensboro, North Carolina 27410-2488 -
Gundlach Insurance Agency Inc - State Farm Insurance Agent
(336) 632-44113411-B West Wendover Ave
Greensboro, North Carolina 27407-1526 -
Healthplan Solutions
(336) 286-22203030 Redford Dr
Greensboro, North Carolina 27408-3116 -
Herring Insurance Agency Inc - State Farm Insurance Agent
(336) 274-84342109 Golden Gate Dr
Greensboro, North Carolina 27405-5650 -
Hunt David & Associates
(336) 299-84043523 Rehobeth Church Rd
Greensboro, North Carolina 27406-5023 -
Ingle Insurance Agcy Inc - State Farm Insurance Agent
(336) 854-1044105B Guilford College Rd
Greensboro, North Carolina 27409-2137 -
Insurance Center Of North Carolina Inc
(336) 378-9141717 Green Valley Rd
Greensboro, North Carolina 27408-7019 -
John Peterson Agency
(336) 274-81663027 Randleman Rd
Greensboro, North Carolina 27406-6638 -
Kanawha Insurance Co
(336) 294-2065612 Pasteur Dr Ste 102
Greensboro, North Carolina 27403-1120 -
Kidd, C Thomas - State Farm Insurance Agent
(336) 852-50485725 W Friendly Ave
Greensboro, North Carolina 27410-4123 -
Loflin Insurance Group
(336) 852-69203719 W Market St Ste D
Greensboro, North Carolina 27403-1378 -
Morgan, Robert B - State Farm Insurance Agent
(336) 294-38942001A Boulevard St
Greensboro, North Carolina 27407-4515 -
National Association For the Self-Employed
(336) 856-18502606 Phoenix Dr Ste 518
Greensboro, North Carolina 27406-6351 -
Nationwide Insurance Companies Agency Offices
(336) 274-81663027 Randleman Rd Ste E
Greensboro, North Carolina 27406-6637 -
Necota Smith Jr Ins Agency Inc State Farm Insurance Agent
(336) 274-19832607-B Randleman Rd
Greensboro, North Carolina 27406-5166 -
New Era Financial Planners Inc
(336) 854-43331 Centerview Dr Ste 308
Greensboro, North Carolina 27407-3712 -
Pilot Financial Brokerage
(336) 334-0111706 Green Valley Rd
Greensboro, North Carolina 27408-7038 -
Richard E Kepler Ins Agcy Inc - State Farm Insurance Agent
(336) 282-48553920 Battleground Ave
Greensboro, North Carolina 27410-8499 -
Robert Michael Merlin
(336) 856-18502606 Phoenix Dr Ste 518
Greensboro, North Carolina 27406-6351 -
Salem Insurance Group
(336) 373-0124
Greensboro, North Carolina 27401 -
Savin Financial Services Savin Mitchell D Clu
(336) 854-3590
Greensboro, North Carolina 27401 -
Smith, Jacqueline V - State Farm Insurance Agent
(336) 299-79981611 New Garden Rd
Greensboro, North Carolina 27410-2001 -
Southeast Financial Services Inc
(336) 275-0314226 S Elm St Ste B
Greensboro, North Carolina 27401-2694 -
Stephen W Kent Ins Agency Inc - State Farm Insurance Agent
(336) 282-53683122 Battleground Ave
Greensboro, North Carolina 27408-2630 -
Thacker Brian W
(336) 547-0183
Greensboro, North Carolina 27401 -
Trinesys Group
(704) 676-0420Po Box 29309
Greensboro, North Carolina 27429-9309 -
Trinesys Group Llc
(336) 346-00463101 N Elm St Ste 160
Greensboro, North Carolina 27408-3183 -
United American Insurance Co
(336) 621-07443923 Burlington Rd
Greensboro, North Carolina 27405-8652 -
Wallace & Associates
(336) 273-50001112 W Market St
Greensboro, North Carolina 27403-1874 -
White, Pamela A - State Farm Insurance Agent
(336) 282-11112608 Oakcrest Ave
Greensboro, North Carolina 27408-4710 -
Williams, Chandra D
(336) 274-19187 Battleground Ct
Greensboro, North Carolina 27408-8026 -
Williford Kevin T Ins
(336) 288-19562201 W Cone Blvd
Greensboro, North Carolina 27408-4019 -
Young, James M - State Farm Insurance Agent
(336) 379-10401308 E Wendover Ave
Greensboro, North Carolina 27405-6717
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.
Greensboro Facts
Data source: US Census year 2000
Population
Population in Greensboro is 230,026.
54% of Greensboro residents are White, 37% are African-American, 4% are of some other race, 3% are Asian, 2% are a mix of two or more races, and 1% are Native American.
Economy
The median income in Greensboro is $28,603 for men, and $20,301 for women.
Compared to the typical person in the state of North Carolina, a resident of Greensboro makes 3.2% less. The trend for North Carolina is that the median income is increasing. (2006)
18,105 people (8% of the population) were living on an income below the poverty level as of 2006. The poverty in Greensboro was increasing compared to the year before.
The typical home is worth $137,600. 25% of Greensboro homeowners own their home outright, paying typically $396 per month in owner costs. Among those with a mortgage (75% of homeowners), the median monthly owner cost is $1,167. (2006)
Housing
There are a total of 108,861 homes in Greensboro. Of these, 1,250 were for sale, and 6,685 homes were available to rent in 2006. 51,707 (53%) were owner-occupied, and 45,039 (47%) were occupied by renters. (2006)
Age
The median age for men in Greensboro is 33, and in North Carolina the average man lives to be 73. The median age for women in Greensboro is 35, and women in North Carolina live to be 78, on average. (2006)
Education
The education level in Greensboro is high compared to the national average.
Among men over 25, 42% has a college degree, and 22% has some college. Out of the men that didn't study in college, 61% graduated from High School, and 39% dropped out.
Among women over 25, 40% has a college degree, and 20% has some college. Out of the women that didn't study in college, 64% graduated from High School, and 36% dropped out. (2006)
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