Blue Cross and Blue Shield of North Carolina
North Carolina Temporary Health Insurance FAQ

1. Who is eligible for Temporary coverage?

A: Applicants are eligible to apply if they are under age 65 at the time they initially enroll and not previously covered on a short term policy within the last twelve months. All applicants are field underwritten and must answer no to all NC health insurance questions in order to qualify and are current NC residents.

2. When will my coverage begin?

A: You may choose any date for your coverage to begin, however, your coverage will begin no sooner than the day after the postmark date of the application, received by BCBSNC®. If the postmark is not legible, the effective date will be the day following application receipt by BCBSNC®.

3. Are prescription drugs covered?

A: No, prescription drugs are not covered under your North Carolina Temporary Health Insurance policy. For a complete listing of limitations and exclusions, please refer to the certificate or benefits booklet.

4. Can I renew my coverage?

A: No. Once your NC Temporary Health Insurance coverage has ended, you would have to wait 12 months before purchasing another Temporary plan.

5. When are premiums due for Temporary?

A: Premiums are due in full with the submittal of the application.

6. How can I get a quote for Temporary coverage?

A: Go to the following link to receive your NC temporary health insurance quote. Next, click on the Temporary Health Insurance tab, then click on BCBSNC® 30-90 days. To determine your premiums, select the deductible option, the number of days you want coverage, and the appropriate age for the individuals you wish to insure.

6. Can I see my doctor for a routine physical with Temporary?

A: No, preventive care, including routine or periodic physical examinations, immunizations, and well baby care are excluded. r Pap smears, screening mammography and PSA test, as set forth in the certificate, are not excluded. For a complete listing of limitations and exclusions, please refer to the certificate or benefits booklet.

7. Is maternity included in Temporary coverage?

A: No, maternity coverage is not available for any members on short term products.