Insurance in Raleigh
Data source: US Census year 2000
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Uninsured in Wake County
Raleigh is the county seat of Wake County.
One out of ten people in Wake County (11.6%) lack health insurance. In the state of North Carolina, 14.1% are without.
Among the population under 18 years in Wake County, 11% 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 Raleigh
Cities are generally less safe to live in than small towns. Violent crime in Raleigh is 35.5% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Raleigh is 9.5% higher than nationally.
There are 4935 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Raleigh (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 90% of Raleigh residents drove to work, and 2% used public transport. 3% 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.
Raleigh, 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 Raleigh, North Carolina
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Aetna Life Insurance & Annuity
(919) 834-7937211 E Six Forks Rd
Raleigh, North Carolina 27609-7745 -
Affordable Health Insurance Plans
(919) 850-3255
Raleigh, North Carolina 27601 -
ALLIANCE AFFORDABLE HEALTH CARE
(919) 676-52708601 SIX FORKS RD STE 400
Raleigh, North Carolina 27615-2965 -
Benefit Planning
(919) 851-88684917 Waters Edge Dr Ste 272
Raleigh, North Carolina 27606-2459 -
Boone, Vincent D - State Farm Insurance Agent
(919) 870-98769101 Leesville Rd
Raleigh, North Carolina 27613-7546 -
Brown, David S - State Farm Insurance Agent
(919) 846-18198412 Falls Of Neuse Rd
Raleigh, North Carolina 27615-3543 -
Burt Insurance Agency Inc - State Farm Insurance Agent
(919) 846-80066837 Falls Of Neuse Rd
Raleigh, North Carolina 27615-5308 -
Campbell Jane Insurance
(919) 851-88684917 Waters Edge Dr
Raleigh, North Carolina 27606-2459 -
Carroll, Jimmy W - State Farm Insurance Agent
(919) 782-66665639 Creedmoor Rd
Raleigh, North Carolina 27612-6316 -
Clarke II, James A - State Farm Insurance Agent
(919) 834-3615606 West Peace St
Raleigh, North Carolina 27605-1520 -
Cook, Spurling J - State Farm Insurance Agent
(919) 676-25027501 Creedmoor Rd
Raleigh, North Carolina 27613-1677 -
Donald K Thomas Ins Agcy Inc - State Farm Insurance Agent
(919) 782-33332245 North Hills Dr
Raleigh, North Carolina 27612-3935 -
Epperly, Gina R - State Farm Insurance Agent
(919) 847-977413200 Strickland RD
Raleigh, North Carolina 27613-7538 -
Fia Administrators Inc
(919) 846-2525186 Wind Chime Ct Ste 200
Raleigh, North Carolina 27615-6486 -
Garner Insurance Group
(919) 661-1801Po Box 10273
Raleigh, North Carolina 27605-0273 -
Gibson Raymond B
(919) 848-11036400 Creedmoor Rd
Raleigh, North Carolina 27613-3600 -
Global Risk Management
(919) 846-2525186 Wind Chime Ct
Raleigh, North Carolina 27615-6486 -
Health Care Insurance Agency
(919) 832-21762205 Yorkgate Dr
Raleigh, North Carolina 27612-3455 -
Hill, John S - State Farm Insurance Agent
(919) 848-06447320 Six Forks Rd Ste 200
Raleigh, North Carolina 27615-7809 -
Innovative Benefit Designs Inc
(919) 510-59803733 National Dr
Raleigh, North Carolina 27612 -
Jarman, Myron E - State Farm Insurance Agent
(919) 859-52612853 Jones Franklin Road
Raleigh, North Carolina 27606 -
Jms Associates
(919) 791-08024004 Barrett Dr
Raleigh, North Carolina 27609-6620 -
Larry Moss
(919) 779-1950
Raleigh, North Carolina 27601 -
Lincoln Financial Group
(919) 834-79373820 Merton Dr
Raleigh, North Carolina 27609-6609 -
McCleary, James E - State Farm Insurance Agent
(919) 790-38866320 Capital Blvd Unit 134
Raleigh, North Carolina 27616-3017 -
Mullen, Cindy P - State Farm Insurance Agent
(919) 781-50503721 Lynn Rd Ste 118
Raleigh, North Carolina 27613-3855 -
Murray, O Jerome - State Farm Insurance Agent
(919) 954-93004534 Capital Blvd
Raleigh, North Carolina 27604-4353 -
New York Life Insurance Company
(919) 846-9798258 W Millbrook Rd
Raleigh, North Carolina 27609-4304 -
New York Life Insurance Company
(919) 783-88444010 Barrett Dr Ste 203
Raleigh, North Carolina 27609-6622 -
Newton Jr, Marland D - State Farm Insurance Agent
(919) 875-19553029-111 Capital Blvd
Raleigh, North Carolina 27604-3377 -
Osborne Michael
(919) 845-99557208 Creedmoor Rd
Raleigh, North Carolina 27613-1611 -
Otis Insurance Agency Inc
(919) 676-12226512 Six Forks Rd
Raleigh, North Carolina 27615-6561 -
Patterson, Charles T - State Farm Insurance Agent
(919) 954-1340805 Spring Forest Rd
Raleigh, North Carolina 27609-9112 -
Price Jim Ins
(919) 510-59803733 National Dr Ste 232
Raleigh, North Carolina 27612-4064 -
Ramey Dean Insurance Agency
(919) 571-00332909 Fairview Rd
Raleigh, North Carolina 27608-1129 -
Security Financial Service of Nc Inc
(919) 881-91072321 Blue Ridge Rd
Raleigh, North Carolina 27607-6453 -
Smith, James A - State Farm Insurance Agent
(919) 787-91965710 Glenwood Ave
Raleigh, North Carolina 27612-3253 -
Southeastern Ministers Assoc Inc
(919) 834-7937211 E Six Forks Rd Ste 107
Raleigh, North Carolina 27609-7743 -
STAINBACK INSURANCE SERVICE
(919) 785-33722840 PLAZA PLACE STE 210
Raleigh, North Carolina 27612-6346 -
Steven Smith Ins Agency Inc - State Farm Insurance Agent
(919) 790-85201305 Millbrook Rd
Raleigh, North Carolina 27609-5400 -
Stuart, J Rex - State Farm Insurance Agent
(919) 847-59676512 Six Forks Rd Ste 305
Raleigh, North Carolina 27615-6516 -
Wingate, Richard D - State Farm Insurance Agent
(919) 787-08882414 Wycliff Rd
Raleigh, North Carolina 27607-2905
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.
Raleigh Facts
Data source: US Census year 2000
Population
Population in Raleigh is 346,358.
60% of Raleigh residents are White, 28% are African-American, 6% are of some other race, 4% are Asian, and 1% are a mix of two or more races.
Economy
The median income in Raleigh is $31,130 for men, and $23,369 for women.
Compared to the typical person in the state of North Carolina, a resident of Raleigh makes 7.6% more. The trend for North Carolina is that the median income is increasing. (2006)
18,706 people (5% of the population) were living on an income below the poverty level as of 2006. The poverty in Raleigh was decreasing compared to the year before.
The typical home is worth $191,800. 20% of Raleigh homeowners own their home outright, paying typically $439 per month in owner costs. Among those with a mortgage (80% of homeowners), the median monthly owner cost is $1,415. (2006)
Housing
There are a total of 154,507 homes in Raleigh. Of these, 2,219 were for sale, and 7,729 homes were available to rent in 2006. 72,004 (53%) were owner-occupied, and 62,622 (47%) were occupied by renters. (2006)
Age
The median age for men in Raleigh is 31, and in North Carolina the average man lives to be 73. The median age for women in Raleigh is 33, and women in North Carolina live to be 78, on average. (2006)
Education
The education level in Raleigh is high compared to the national average.
Among men over 25, 52% has a college degree, and 16% has some college. Out of the men that didn't study in college, 58% graduated from High School, and 42% dropped out.
Among women over 25, 52% has a college degree, and 18% has some college. Out of the women that didn't study in college, 63% graduated from High School, and 37% dropped out. (2006)
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