What does SHP mean in HEALTHCARE

The State Health Plan (SHP) is an employer/employee funded, self-insured health insurance plan administered by the State of North Carolina. The SHP provides comprehensive coverage for health care services and prescription medications for eligible participants across the state.

Eligibility requirements vary depending on your occupation and other factors, but generally speaking you may be eligible if you are an employee of the State of North Carolina or a non-state public entity that participates in the SHP. Additionally, individuals who are retired from state service or have Medicare-eligible status may also qualify for coverage under the SHP.

Yes, pre-existing conditions are covered under the SHP. The plan covers medically necessary treatments and services related to diagnosis and treatment of pre-existing conditions as long as they meet all other eligibility requirements.

The amount of your premium depends on several factors, such as whether or not you choose one of our HMO plans, your age and number of dependents covered under your plan. Generally speaking, monthly premiums range from approximately $40 to over $400 per month depending on your plan selection.

Yes, most plans have some form of deductible that must be met before certain benefits are payable; however, some plans may have no deductible at all. Deductible amounts can range from $100 up to several thousand dollars. It's important to review all aspects of any plan you're considering before selecting it in order to understand any applicable deductibles or co-pays associated with it.

Yes, there is an annual out-of-pocket maximum limit associated with each individual's insurance plan that caps how much they will be responsible for each year regardless of their medical expenses during that time period. Each person's out-of-pocket maximum will be different depending upon their plan selection so it's important that they understand what their maximum limit is prior to making any major medical decisions throughout the year.

Enrollment periods typically last one calendar year beginning January 1st and ending December 31st unless otherwise indicated by your employer or other entity offering the coverage options through which you obtained your insurance coverage originally. Those enrolled in SHP should make sure they renew their enrollment annually during open enrollment periods in order for continued coverage through this program.

Yes, some state health plans offer additional benefit packages known as "riders" which allow insured members greater access to personalized healthcare services outside those typically covered on basic policies such as physical therapy sessions and travel health insurance among other things. Riders can usually be added on top existing plans; however it's important to check with your specific plan provider prior to making any changes as costs associated with these riders may vary significantly depending on your provider and type of rider selected.

Most state health care policies provide coverage for diagnoses and treatments related to mental illness including things like psychotherapy sessions when recommended by a treating physician; however some states do have more restrictive guidelines regarding coverage within this area which could potentially limit access so it's important make sure you understand what types of mental health treatments are covered under any policy you're considering prior to selecting it.

Yes, some home healthcare services may be available through certain state healthcare plans depending upon specific policy features; however it's important check with both your potential provider and current insurer prior making any commitments when requesting more detailed information about exactly which type home healthcare might be readily obtainable.