State Option Eligibility

Eligibility Requirements for State Option Coverage

You are eligible of Inclusive Health Coverage if you have a pre-existing condition and...

You can answer YES to AT LEAST ONE of the following questions:

1. You were rejected or refused coverage for health reasons by an insurance company.
2. You have been offered coverage by an insurer with a conditional rider limiting coverage.
3. Your current individual health insurance coverage is at a premium rate exceeding the Inclusive Health premium.
4. You were refused individual coverage by an insurance company except at a premium rate that is higher than the Inclusive Health rate.
5. You are eligible for or are enrolled in COBRA or state continuation and have an individual premium rate that is higher than Inclusive Health and answer "Yes" to at least one of numbers 1-3 or 6.
6. You have been diagnosed with a presumptive qualifying medical condition listed below.
7. You have had 18 months of continuous coverage and have exhausted COBRA coverage.
8. You are eligible for the Health Coverage Tax Credit (HCTC) for trade displaced workers under the TAA, ATAA or PBGC programs.

You are eligible if you can answer YES to ALL of the following questions:

• You are not Medicare eligible.
• You are not Medicaid eligible.
• You are a legal U.S. resident.
• You are a North Carolina resident.
• You or your spouse are not eligible for insurance at work.
• You are not covered as a dependent.

Presumptive Conditions:
You are automatically eligible for Inclusive Health coverage and you have been diagnosed with any of the following conditions:

Click to view list of medical conditions AIDS/HIV Alcohol Addiction Alzheimer's Disease Amyotrophic Lateral Sclerosis (Lou Gehrig's Disease) Aneurysm Angina Pectoris Angioplasty Ankylosing Spondylitis Anorexia or Bulimia Aplastic Anemia Cancer(except skin) treated or diagnosedin past 5 years Cardiomyopathy Cerebral Palsy Chronic Obstructive Pulmonary Disease Chronic Renal Failure Chronic Pancreatitis Cirrhosis of the Liver Congestive Heart Failure Coronary Insufficiency Coronary Occlusion Crohn's Disease Cystic Fibrosis Dementia Diabetes - Type I or Type II Emphysema Friedreich's Ataxia Hemochromatosis Hemophilia Hepatitis C Hodgkin's Disease Huntington's Chorea Hydrocephalus Kidney Disease requiring dialysis Leukemia Lupus Erythematosus Disseminate Major Organ Transplant Malignant Lymphoma Malignant Tumors Melanoma Morto/ Sensory Aphasia Multiple or Disseminated Sclerosis Muscular Dystrophy Myasthenia Gravis Myocardial Infarction Myotonia Open Heart Surgery Paget's Disease Paraplegia or Quadriplegia Parkinson's Disease Polyarteritis (periarteritis nodosa) Polycystic kidney Primary Cardiomyopathy Progressive Systemic Sclerosis (Scleroderma) Psoriatic Arthritis Psychotic Disease Psychotic Disorder Raynaud's Disease Rheumatoid Arthritis Schizophrenia Sickle Cell Stroke(CVA) Suicide Attempt Syringomyelia Tetralogy of Fallot Ulcerative Colitis Wilson's Disease Need help with your monthly premiums? Click here to get more information on the IH Assist program. Ready to Fill out an Application? Questions? Need help? Call 866.665.2117, Monday - Friday, 8am - 5pm EST or email us at [email protected]. We have trained representatives who will be happy to assist you in learning more about Inclusive Health and and making informed decisions about your coverage.