At NC Health Plans, we want wish you a very Happy New Year. We hope that 2019 brings you health and happiness! As the New Year begins, we would like to proudly announce that we have been designated to the Health Insurance Marketplace Elite Plus Circle of Champions for enrolling 500+ North Carolinians in coverage beginning January 2019. This is the highest achievement attainable for helping customers enroll in affordable health insurance through the Marketplace and we look forward to assisting more North Carolinians as we move into the Special Enrollment Period for 2019.

The health insurance Marketplace, or healthcare.gov is where individuals and families can apply for government subsidies to assist with the cost of health insurance. Subsidies can greatly reduce the cost of health insurance for those who qualify based on their yearly income. Now that we are outside of Open Enrollment for 2019, Special Enrollment Period has begun. You can still apply for Qualified Health Insurance if you have a qualifying life event. The most common Qualifying Life Events include losing coverage, getting married, having a child, or moving. Generate a quote to discover if you may be eligible for a subsidy during Special Enrollment Period.

Navigating the Health Insurance market can be confusing, and we are happy to assist you with every step of the way. We take pride in helping fellow North Carolinians apply for affordable health care through Blue Cross Blue Shield of North Carolina. Thank you for a great year, and we hope to continue serving many of you in 2019.

For more information on North Carolina Health Insurance coverage, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.

NC Health Plans is proud to announce that we have been included in the Health Insurance Marketplace Elite Circle of Champions. This means that we have been designated the top achievement award for helping North Carolina residents enroll in Marketplace coverage through Healthcare.gov. Now that Health Insurance Open Enrollment Period for 2019 has arrived, we are ready to assist more North Carolinians in applying for affordable Qualified Health Care!

Healthcare.gov, also known as the Health Insurance Marketplace, is the avenue that individuals go through to apply for government subsidies to be applied towards their Health Insurance premiums. Subsidies are designed to lower the cost of health insurance for low and middle income individuals or families. These government applications can often be overwhelming and confusing, and we are happy to help you through this process. Our website provides consolidated Health Insurance applications, and we can help you apply for your subsidy right over the phone. CLICK HERE to generate a quote and discover if you are eligible for a subsidy.

We are proud to be recognized as a top leader and guide in helping individuals apply for affordable Health Insurance through Blue Cross Blue Shield of North Carolina and we look forward to helping North Carolinians in the upcoming 2019 Open Enrollment Period, which starts November 1^st and ends December 15, 2018.

For more information on North Carolina Health Insurance coverage, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.

Enrolling in a Blue Cross Blue Shield of North Carolina plan is simple and easy. You can enroll online 24/7.

When you get your free, no-obligation rate quote, we will help you estimate any advance premium tax credit (subsidy) or cost-sharing reduction you may be eligible for through the government.  Your quote will outline the estimated subsidy so you can see the reduced rate.

Use the tools and tips on the rate quote results page to compare prices and plan details. Your quote will also provide links to more information about our plans and assistance picking the right plan.  Once you pick a plan, you are ready to enroll.

It all starts with a free rate quote.  Note: You only have a limited time to enroll.The annual enrollment period is from 10/1/2013 to 3/31/2014. You can choose to have your coverage start between 1/1/2014 and 5/1/2014.  Unless special circumstances apply, you will not have the opportunity to enroll again until  the next Open Enrollment starting November 2014 for coverage that starts 1/1/2015. That means you cannot wait for a medical need to enroll.

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). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obama care. Call us for details.

Enrolling in a Blue Cross Blue Shield of North Carolina plan is simple and easy. You can enroll online 24/7.

When you get your free, no-obligation rate quote, we will help you estimate any advance premium tax credit (subsidy) or cost-sharing reduction you may be eligible for through the government.  Your quote will outline the estimated subsidy so you can see the reduced rate.

Next Step: Register through your free rate quote, click the link in your quote to start your healthcare.gov application process.  We will help you select a plan and guide you through the entire process.  Once your subsidy application is completed, we will guide you through the payment process and provide you the payment coupon so you can mail your payment to Blue Cross Blue Shield of North Carolina to guarantee your coverage starts on the effective date you requested.

NOT APPLYING FOR A SUBSIDY.  Apply today and start coverage immediately.  YOU DO NOT HAVE TO GO TO THE MARKETPLACE and we can walk you through these very simple and easy steps.

You only have a limited time to enroll. The annual enrollment period ends 3/31/2014.   As of today, you will have the option for an April 1st or May 1st effective date.  Unless special circumstances apply, you will not have the opportunity to enroll again until  the next Open Enrollment starting Nov 2014 for coverage that starts 1/1/2015. That means you cannot wait for a medical need to enroll.

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). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obama care. Call us for details.

To help make health care more affordable, the federal government offers advance premium tax credits, or subsidies, to low-to middle-income individuals and families. Your subsidy is an advance premium tax credit and is applied directly to your premium. Subsidies reduce the monthly cost of an insurance plan. You do not have to pay the cost upfront and receive your tax credit later.

To be eligible for a subsidy, you must meet certain requirements.  Be between 100% and 400% of the federal poverty level (FPL). Not eligible for public coverage, such as Medicaid, the Children’s Health Insurance Program, Medicare or military coverage.  Not have access to insurance through an employer. An exception can be made if the employer’s plan doesn’t cover at least an average of 60% of covered benefits or if the employee’s share of the premium is more than 9.5% of his or her income. Employers can tell you if their plans meet these criteria.  Subsidies can be used on any plan you choose except for grandfathered plans and catastrophic plans for those under 30. How much of a subsidy you qualify for is based on income and household size.

Our FREE RATE QUOTE through Blue Cross Blue Shield of North Carolina offers a calculator to estimate your subsidy.  Just click on the blue calculator at the top of your rate quote and enter the income information.

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). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obama care. Call us for details.

Blue Advantage plans are available in all metallic levels: bronze, silver, gold and platinum. The levels differ by how much of your medical costs a plan will pay on average. They are based on approximate values for standard medical expenses.

• Bronze plans pay 60%
• Silver plans pay 70%
• Gold plans pay 80%
• Platinum plans pay 90%

All plans have a maximum out-of-pocket (OOP) limit of $6,350 for individuals. Some plans have an even lower OOP limit.  If you qualify for a subsidy, this can impact your total OOP.  Click Here to generate your quote and see if you qualify for a subsidy through the Marketplace.

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). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obama care. Call us for details.

Catastrophic Plans provide minimum coverage at a lower price.  They are High deductible plans; they provide Essential Health Benefits covered after deductible is met; Preventive care is covered at 100%;  Primary care in-network office visits covered with a $35 copayment for the first 3 visits and you can save as much as 22% over the least expensive bronze plan.   Click Here to generate your rate quote to compare these plans.

These plans have high deductibles that you must meet before BCBSNC pays for Essential Health Benefits. They may be a good option if you do not expect to have many medical expenses.

To qualify for these plans, you must meet one of the following criteria to be eligible for a catastrophic plan.  You must be under 30 years of age when the plan year begins or qualify for a hardship exemption through the federal government.

If you choose a catastrophic plan, you cannot use an advance premium tax credit (federal subsidy). If you do not qualify for or decide to forego a subsidy, you may save money with these plans.

The Essential Health Benefits that are covered include Ambulatory service;Emergency service;Hospitalization; Maternity and newborn care; Mental health and substance abuse services (including behavioral health);Prescription drugs;Rehabilitative and habilitative services and devices; Laboratory services;Preventive/wellness services and chronic disease management;Pediatric services, including dental and vision.

Catastrophic plans are not required to meet the metallic levels that other plans must meet. However, because BCBSNC is committed to quality coverage, the catastrophic plans do meet bronze level requirements.

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). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obama care. Call us for details.

WHAT INCOME IS USED TO DETERMINE MY SUBSIDY when applying for my Blue Cross Blue Shield of North Carolina coverage?

The total of your gross adjusted income and tax-exempt interest income.  Found on Lines 8b and 37 of IRS Form 1040. The income used will be based on your 2012 year (filed in 2013) and will be adjusted based on your expectations for 2014.  Subsidy amounts will be reconciled in 2015 based on actual 2014 income and tax returns for that year.

Guaranteed issue when you apply today for your coverage to begin on January 1, 2014.

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). Call us for details.