NCHealthPlans.com Health News » Blue Cross Blue Shield

Subscribers and dependents must satisfy a 12-month waiting period for pre-existing conditions under this health benefit plan. Any waiting period for pre-existing conditions begins on the effective date of this health benefit plan. During a waiting period for pre-existing conditions, neither you nor your dependents will receive benefits for conditions for which medical advice, diagnosis, care or treatment was recommended or received within the 12 months immediately preceding the effective date of this health benefit plan. However, provided there was no significant break in coverage, a waiting period for pre-existing conditions will not apply to any condition first identified, treated and covered under prior creditable coverage. Medical records may be ordered to make this determination. Genetic information [variable] is never treated as a pre-existing condition.

(more…)

To be eligible for Blue Cross Blue Shield of North Carolina Health Insurance coverage, you must be a North Carolina resident under 65 years of age, not be covered by another health insurance policy, not be enrolled in Medicare, and qualify medically. Applicants must be able to provide one of the following as proof of residency: voter registration in NC, NC driver’s license, or current NC tax return. In addition, applicants are required to submit a Social Security Number.

Multiple Coverage

You may be covered under only one health program offered by BCBSNC, except with special permission. In that case, the total benefits paid will not be more than the allowed amount.

(more…)

You can purchase a Blue Advantage, Blue Advantage Saver or Blue Options HSA policy to cover your child or adopted/foster child without being covered by the policy yourself. Your child will receive full plan benefits, including immunization, well-child and well-baby care coverage. When you apply, be sure to enter your child’s information (name, gender and birth date) as the primary applicant. If you plan to cover multiple children, each child must have his or her own policy, so you’ll need to apply for each policy separately. Multiple children may be covered on the same policy, as long as the parent is also covered by that same policy. You can cover children up to age 26 on your policy, as long as they are your legal dependents. However, children under age 18 are not eligible to have their own health savings account. Children under age 18 are subject to certain tax guidelines. Consult a tax professional for more information.

The information above is provided by BCBSNC, 2011 Plan Information Guide.

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 professional 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.

When it comes to food, the best things for you certainly aren’t free. In fact, research indicates that healthy eaters often spend more on food than their less healthy counterparts, and to follow a diet in line with the USDA’s latest nutrition recommendations would add hundreds of dollars to the average person’s annual food expenses.

In a new study from the University of Washington, researchers surveyed 2,000 adults in King County and analyzed their self-reported diets for nutrient content and cost. Their findings illustrated what you might already suspect: Not only were grains, sugars, and fats cheaper than fruits and vegetables on a per calorie basis, but consumers typically had to increase their food budget to incorporate recommended nutrients like potassium, dietary fiber, vitamin D, and calcium into their diet. For example, individuals who consumed potassium in accordance with the 2010 Dietary Guidelines added an average of $380 a year to their annual food cost.

(more…)

Fall is my absolute favorite time of the year!  I love the cooler mornings and evenings.  It seems to help me focus on my family more, especially with the upcoming holiday seasons.  Looking for something fun to do this fall weekend that won’t break the bank? Make some family memories, begin fall traditions and enjoy life. Let’s start your Friday evening at a local High School football game or other fall sport.  It not only brings back memories of your high school days but also begins to spark the interest of your little ones.  There is something to be said about the game, the band, the cheerleaders, and the halftime shows.  Local high school sports are a great fall tradition!  Check your local high school website for game dates and times or call the school secretary.  Wake-up on Saturday and visit your local pumpkin patch.  Create a “pumpkin family” with your purchases!  Once you return home, have a decorating “party” with your family.  You will be amazed on items you can find in your pantry to use as decorations.  On Sunday, enjoy a family breakfast.  Don’t forget to bake pumpkin bread for a great treat.  Fill your home with the sweet aroma of pumpkin and it is sure to have your family “Falling for Fall!”

(more…)

Beginning in plan years after Sept. 23, 2010, the new law allows dependents up to age 26 to obtain coverage under their parents’ plans that offer dependent coverage. In April 2010, the nation’s 39 independent Blue Cross and Blue Shield companies recognized that many young people could lose their coverage because of their age, student status, graduation from school or other factors prior to when the new law goes into effect for plan years beginning September 23, 2010. The BCBS companies proactively announced in April that they will offer to their accounts continued overage of these hundreds of thousands of young adults under age 26 on the health insurance policies their parents purchase through the individual marketplace effective June 1. Young adults may be eligible regardless of whether they are financially dependent on their parents. This extension of coverage is also being offered to employer accounts for their members.

(more…)