888-765-5400Basis for Underwriting Decisions
Applicants applying for Blue Advantage, Blue Advantage Saver and Blue Options HSA coverage will be considered using any or all of the following:
• Review of the application
• Telephone interview with applicant, parent if child under 18 years of age and/or legal guardian
• Medical history obtained from attending physician
• BCBSNC Medical Underwriting Guidelines
• BCBSNC claims history, if available
Underwriting will be based on the severity of conditions as well as a combination of conditions. It will include lifestyle underwriting (e.g. smoking, alcohol use) and height/weight guidelines.
Adverse Underwriting Decisions
An applicant has 90 business days from the date of the mailing of notice or other communication of an adverse underwriting decision to appeal. BCBSNC must furnish the applicant with a response within 21 days from the date of receipt of such written request.
The information in this article is from the 2011 Product Guidelines for Blue Advantage and Blue Options HSA plans from Blue Cross Blue Shield of NC.
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.