NCHealthPlans.com Health News » Customer service

Once you enroll in a BCBSNC policy, they will provide a comprehensive Member Guide, which will be mailed to your home. The Member Guide includes detailed information about your specific benefits and covered services.

Additionally, BCBSNC provides valuable information and services on this Web site. You can either surf the site for the information you need or log on to My Member Services to access and change your member information instantly.

With My Member Services, you can accomplish the following:

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Once your Online Application for BCBSNC insurance has been approved and your final rate has been issued, you will need to resume your application to accept and make payment.  There are 3 ways to access the log in for resuming your application.

1.  You can simply click here and enter your USER ID and Password.

2.  You can go to the BCBSNC home page, locate the phrase “resume application” in the upper left of the home page.

3.  You can click here and locate the Resume Application in the middle of our website and resume from here.

Once you have entered your USER ID and Password, select resume next to your name.  At this point, your original plan and your final rate will appear.  Prior to making payment, you have the option to change plans and deductibles which can lower your premium, just click on the button “lower cost options” after you resume the application and you can view final rates for all available plans.

For more information on North Carolina health insurance, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional authorized agents.  Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC).  You may qualify for a 15% healthy lifestyle discount if you are in excellent health, call all our office for details.

About Jerry Ballard & Associates

“First, foremost, and always, our main focus is to identify the true needs of our clients and fill those needs with the best North Carolina health insurance (BCBSNC®) products on the market and the best customer service in the industry.”  – Jerry Ballard, Owner, Jerry Ballard & Associates.  

Cathy Ballard, Jerry’s wife, joined the agency in 1999 focusing primarily on customer service and became licensed as a producer in 2007, also specializing in individual products including Blue Advantage through Blue Cross Blue Shield of North Carolina. Having been in sales for only two years, Cathy ranked #11 among all individual agents in the State of North Carolina for individual sales with BCBSNC for 2008, and ranked #9 for year 2009. Cathy also manages the day to day operation of the agency, including troubleshooting and website development. Prior to joining the insurance agency, Cathy worked in the legal field, assisting in various areas of residential and commercial real estate development, environmental and corporate law. In her spare time she enjoys reading, traveling and all aspects of their boating lifestyle.

Amanda Morrow is the customer service representative for Jerry Ballard and Associates. She resides in Morehead City, NC with her husband and 2 sons. Amanda is responsible for communicating with the applicants and enrolled clients of Jerry and Cathy. She informs applicants of their application status, assists them with the application process, and continues to support them once enrolled. Customer service is just a phone call away for your Blue Advantage, Blue Options HSA, Dental Blue, and other health insurance needs. In her spare time, Amanda enjoys boating, reading, and taking trips to the mountains. After attending UNC-CH and ECU, Amanda received her Bachelor of Science degree in 1998. She taught elementary school for several years before entering the medical and health world. Amanda was a pharmaceutical sales representative for AstraZeneca and St. Jude Medical. She began working for Jerry and Cathy Ballard in 2007. Amanda looks forward to working with each and every one of our clients.
Jerry began his career in the health insurance industry in 1974.  Throughout the years, he has written health insurance in NC through many different companies.  After many years of doing business with Blue Cross Blue Shield of North Carolina he determined they provided the best coverage, service and value than any of his previous carriers, which is why he elected to become an Exclusive Agent for Blue Cross Blue Shield of NC (BCBSNC).
In February of 2000, Jerry shifted his business model to an Online Internet Based Company. He has worked throughout the past eight (8) years training and experimenting with every aspect of an Online Company. As you may realize, the standard business model of a 9-5 platform quickly diminished as the need for a more fluctuating schedule became apparent. Our agency prides itself on helping individuals with their insurance needs, after they get off work and have time to focus on these issues.  Once their needs have been identified and an application has been submitted, they are on their way to acquiring the best possible health insurance coverage in North Carolina for themselves, their spouse and their children.

Our agency couples outstanding individual customer service with the technological sophistication that allows customers the best of both worlds – quick and accurate information via our website at www.nchealthplans.com and ready access via our toll free number 888-765-5400 to a knowledgeable agent. In spite of his 34 years in the health insurance business and his many professional accomplishments and industry awards, Jerry is a modest man who never loses sight of what is really important – taking care of his clients. You will be surprised how quickly and easily you can find and price the best North Carolina health plan for you and your family as well as getting all your questions answered, without leaving your home or office, just by contacting Jerry Ballard and his trained and experienced staff.

We have additional links on our blog which can provide additional information about our products, plan description, benefits, claims, health conditions all offered through Blue Cross Blue Shield of NC (BCBSNC). We take tremendous pride in offering the best possible service to all our clients. We look forward to the opportunity to work with you in any of your insurance needs.

When all is said and done, nothing speaks louder about Jerry Ballard and Associates than these statistics:

      *  90% of our clients stay with us year after year

Many people often ask us how the process for applying for health coverage begins and ends…

Requesting a Quote:

Applying for insurance with BCBSNC is a very simple process.  It does not cost anything to apply and you will have the opportunity to review your final rate before accepting a plan and making payment.  To apply for Blue Advantage, Blue Options HSA and Dental Blue, you must first request and receive a personalized quote.  Simply click here to request your personal quote and apply today.  Next, your request will be submitted and received by Jerry Ballard & Associates.  We will process your request and send your personalized quote to you via email. The quote will be emailed from ratequote@bcbsnc.com.  Once you receive the email, you will want to be sure and turn off pop-up blockers and make sure the email did not go to any spam files. 

Receiving Your Quote:

In the body of the email, you will see a link that says, View Your Rate Quote Here.  Simply click on the link and your personalized quote will populate with all the Blue Cross Blue Shield of North Carolina plans and premiums you requested.  A yellow apply button will appear to the right of each plan/premium.  Click the yellow apply button to begin your online application process.  Call our office (888-765-5400) so we can go over the plans with you and answer any questions about the benefits associated with these plans.

The Application:

The application itself takes 10-15 minutes to complete.  You will create a user id and password that you will need to write down for future access into the application.  You and other applicants will answer health questions pertaining to your health.  In addition, you will enter any prior insurance coverage.  Once submitted, the application will either be auto approved or submitted for further underwriting with BCBSNC.

Auto-Approved:

This simply means that your application received a final rate automatically.  You will see this final rate at the end of the application.  If you are in exceptionally good health and fall within the Preferred Plus guidelines set out by BCBSNC,  you may qualify for a 15% healthy discount in your monthly premium.  Many people will receive the preferred quoted rate.  Some based on their individual health, could receive a rate increase. 

Underwriting Review:

Blue Cross Blue Shield may require further information from you such as a telephone interview, a paramedical exam, or medical records.  Our customer service representative and BCBSNC will contact you if this is required.  All of these are processed with no cost to you.  A telephone interview involves a phone conversation between the underwriting interviewer and the applicant confirming information on the application.  The paramedical exam is a small physical exam that is performed by a nurse at your convenience at your home or work.  An analysis of height, weight, blood pressure, blood work and urinalysis could be a part of the paramedical exam.  Medical records may be requested from one of your health care providers.  We recommend that you call that provider and let them know to be expecting this request so that they can process it in a timely manner.

Final Approval after Underwriting:

Once your final rate is approved, BCBSNC and our office will contact you to resume your application (with the user id and password you created), view your quote, accept and make payment.  Once you open up the application, you will view the final rate for the plan that you applied for with BCBSNC.  Before accepting this plan, you have the options to change to any plan that BCBSNC offers to you.  For example, if you applied for Plan A 80% coinsurance with $2500 deductible, you can click on “Lower Cost Options” or “All Available Plans” and switch to any of those plans.  This allows for more decision making based on the final rate and gives the applicant more choices.

Making payment:

There are 2 payment options for Blue Advantage and Blue Options HSA.  Bank Draft or Direct Bill.  We encourage Bank Draft because it is convenient and you never have to worry about a lost bill in the mail.  On-going Bank Drafts occur on the 2nd of each month for 1st of the month effective dates and the 12th of the month of 15th of the month effective dates.  Initial Bank Draft payments for any effective date will occur on the 2nd of the month that the policy becomes effective.  Direct Bill, requires an initial payment to be made by credit card online.  The credit card will be processed for payment on the day it is entered.  You will receive subsequent bills by mail each month with a due date of the 1st (for effective dates on the 1st) or the 15th (for effective dates on the 15th).

 Benefits Booklets and ID Cards: 

These are mailed to the address you provided on your application within 10 business days.  On the 2nd page of the booklet, you will find your id cards. 

 For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our qualified agents.  Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC).  You may qualify for a 15% healthy lifestyle discount if you are in excellent health.  Call us for details.

Amanda Morrow is the customer service representative for Jerry Ballard and Associates.  She resides in Morehead City, NC with her husband and 2 sons.  Amanda is responsible for communicating with the applicants and enrolled clients of Jerry and Cathy.  She informs applicants of their application status, assists them with the application process, and continues to support them once enrolled.   Customer service is just a phone call away for your Blue Advantage, Blue Options HSA, Dental Blue, and other health insurance needs.

In her spare time, Amanda enjoys boating, reading, and taking trips to the mountains.  After attending UNC-CH and ECU, Amanda received her Bachelor of Science degree in 1998.  She taught elementary school for several years before entering the medical and health world.  Amanda was a pharmaceutical sales representative for AstraZeneca and St. Jude Medical.  She began working for Jerry and Cathy Ballard in 2007.  Amanda looks forward to working with each and every one of our clients.

 For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our qualified agents.  Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC).  You may qualify for a 15% healthy lifestyle discount if you are in excellent health.  Call us for details.

Internet Based Company VS. Store Front

Which One is Right for You?

Our agency is an internet based company that provides health insurance to North Carolina residents through Blue Cross Blue Shield of North Carolina. We take tremendous pride in providing the best customer service in the industry. Most of our clients tell us we made what they thought would be a difficult process very easy to understand and accomplish. What do you do when you have a question about your application or coverage? The first thing you do is pick up your phone and call your agent or broker. Having the ability to handle your coverage from home and not drive across town to an office is very appealing for most people. With our hectic lifestyles and high gas prices, dealing with an internet based company for your North Carolina Health Insurance is definitely the best way to go for many people.

In 2000 our agency decided to shift our business model to an Online Internet Based Company. We have worked throughout these years training and experimenting with every aspect of an Online Company. As you may realize, the standard business model of a 9-5 platform quickly diminished as the need for a more fluctuating schedule became apparent. Our agency prides itself on helping individuals with their insurance needs, once they get off work or have time to focus on these issues on weekends.

The first step is for you to call our office and speak with one of our authorized agents to begin the process. It is our goal to explain all the plans offered through Blue Cross Blue Shield of North Carolina and answer ANY questions you may have. Once you decide on a plan, we simply email you the quote with the on line application for you to complete. Once the application is submitted, we keep you informed throughout the process until approval by BCBSNC. Its as easy as 1- 2 – 3!!!

If you would like to apply for North Carolina health insurance through Blue Cross Blue Shield of NC, simply click here and complete the form and we will be happy to email your quote and the on-line application.

For more information on North Carolina health insurance, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional authorized agents.  Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC).  You may qualify for a 15% healthy lifestyle discount if you are in excellent health, call all our office for details.