CONSUMER PROTECTIONS

Mandated Benefits

Consumer Information
Confidentiality
Non-Discrimination
Access to Providers
Provider Protections
Utilization Review
Appeal and Grievance Rights
Quality Assurance
Point-of-Service
Premium Rate Oversight
Financial Solvency
DOI Oversight
Glossary

INDEX

UNDERSTANDING
MANAGED CARE

CONSUMER PROTECTIONS

MEMBER RESPONSIBILITIES

QUESTIONS TO
ASK YOUR PLAN

QUESTIONS TO
ASK YOUR PLAN:
PEOPLE WITH
SPECIAL HEALTH NEEDS

BACKGROUND
INFORMATION: NC HMOS

HOW TO INTERPRET
THE INFORMATION

HMO COVERAGE OF SPECIFIC SERVICES

COMMON EXCLUSIONS

ENROLLMENT TRENDS

DISENROLLMENT TRENDS

UTILIZATION REVIEW INFORMATION

FINANCIAL DATA

GLOSSARY

INTERNET RESOURCES

INTERNET RESOURCES:
INDIVIDUALS WITH DISABILITIES

STATE FUNDED HEALTH PROGRAMS FOR
YOUNG CHILDREN
AND THEIR FAMILIES

NC DEPARTMENT
OF INSURANCE

NC STATE EMPLOYEES
HEALTH PLAN

NC DEPARTMENT OF MEDICAL
ASSISTANCE (MEDICAID)

NC HEALTHCHOICE

NC COUNCIL ON DEVELOPMENTAL
DISABILITIES

MEDICARE

YOUR COMMENTS

NORTH CAROLINA
INSTITUTE OF MEDICINE

RETURN TO HOMEPAGE

DEPARTMENT OF INSURANCE OVERSIGHT

Accountability and Enforcement Mechanisms
The NC Department of Insurance inspects health plans at least every three years (NCGS 58-2-131, 11 NCAC 19.0006). In addition, the Department can investigate complaints outside of the normal three-year cycle. If the Department finds problems, it can seek corrective action. If the problems are significant, the Department can seek to suspend or revoke the license, issue civil penalties, or seek injunctive relief. (NCGS 58-67-140, 58-67-165, 58-2-60, 58-2-70).

Consumer Services Division
The NC Department of Insurance has a Consumer Services Division that can help address consumer complaints. The Department can investigate the complaint and will intervene on behalf of the consumer if it thinks the health plan is acting improperly. The Consumer Services Division is open from 8:00 am to 4:50 pm Monday through Friday. The Division can be reached at: 1-800-662-7777 or 1-800-546-5664.

RETURN TO HOMEPAGE