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Benefits Coverage

Just like most traditional employer-sponsored health plans, Inclusive Health covers a broad range of services, including preventive care, urgent care, outpatient services, a prescription drug benefit and other common health care services. Inclusive Health offers several plan options, so you can choose the plan that best meets your individual medical and financial needs.

Benefits Policies, Summaries and Schedules

  • North Carolina Health Insurance Risk Pool Policy
  • North Carolina Health Insurance Risk Pool Policy Amendment

  • PPO 1000:
        NCHIRP Policy and Benefits Summary | Benefit Schedule

  • PPO 2500:
        NCHIRP Policy and Benefits Summary | Benefit Schedule

  • PPO 3500:
        NCHIRP Policy and Benefits Summary | Benefit Schedule

  • High Deductible Health Plan 5000 (HDHP):
        NCHIRP Policy and Benefits Summary | Benefit Schedule
    NEW: Download New May 1, 2025 Rates!
             Download Benefit Plan Options starting Jan 1st.




  • Premium rates are updated on an annual basis. Deductibles are calculated on a calendar - January - December. A new deductible will begin each year in January.
    North Carolina Health Insurance Risk Pool, Inc.
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