The term “health care reform” is being used a lot these days. Health care reform became a reality with the passage of two related bills:

The Patient Protection and Affordable Care Act (PPACA), signed into law on March 23, 2010  and  The Health Care and Education Reconciliation Act, signed into law a week later on March 30, 2010. Because these two bills work together, we often refer to health care reform as a single “new law” for the sake of simplicity.  Health care reform law has many separate provisions that will come into effect at different times over the next eight years. Here are some of the most important ones: (more…)

There are a number of factors that are driving health insurance premiums. Increasing utilization attributable to an aging population, obesity and chronic illnesses; new treatments; prescription drugs and expensive new technologies are the biggest causes of increasing healthcare premiums. The new law establishes a few pilot programs, but does not aggressively attempt to control rising healthcare costs. 

We believe that premiums will increase as a result of provisions in the reform legislation that will guarantee richer levels of benefits than most consumers who obtain their own insurance purchase today. Insufficient discounts for the young and healthy will encourage many of them to forgo coverage. New fees and taxes mandated by the new law will also likely increase the cost of premiums as they are phased in. 

Blue Cross and Blue Shield companies will continue to work with doctors, hospitals, employers and consumers to rein-in costs and insurance premiums while improving access to quality healthcare. In doing this, many of the Blue Cross and Blue Shield companies have initiatives to reduce unnecessary hospital readmissions, eliminate infections acquired during hospital visits and promote paying doctors and hospitals for quality outcomes to help achieve this goal.

The above information is from a post by BCBSNC in 2010 and located at bcbsnc.com.

 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.

WHEN WILL THESE NEW REFORMS BECOME EFFECTIVE:

Beginning in July 2010 – Consumers with health problems who have been uninsured for 6 months may be eligible to obtain coverage through a new high risk pool program. And a temporary reinsurance program will help employers who provide coverage to their retirees in maintaining this coverage. 

Beginning in plan years on or after September 23, 2010 – Pre-existing condition exclusions are prohibited for children under 19, dependents up to age 26 will be able to obtain coverage through parents’ health plans, routine preventive care will be covered without cost-sharing, limits on lifetime coverage will be eliminated along with other changes. 

In 2014 – Individuals and small businesses will be able to purchase coverage through state-based exchanges. Consumers will be able to purchase health insurance regardless of health status and premiums cannot vary because of health status. Individuals will be required to purchase health insurance or pay a penalty. Subsidies will be available on a sliding scale to help individuals or families with incomes up to 400 percent of the federal poverty level to purchase insurance through new state-based exchanges.

The above information is from a post by BCBSNC in 2010. 

 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.

Get back down to basics and enjoy fresh summer produce from your local North Carolina Farmers Market or local produce stands.   North Carolina offers a wide variety of locally grown fruits and veggies just in time for summer.  Local produce stands are popping up everywhere so find the one “growing” closest to your family.  Are you having a hard time trying to get your children to eat fresh fruits and veggies.  Have you heard the question, “You really want me to eat that?”  If so then try the tips below to get your family back down to basics and jumpstart healthy eating habits for your children.  The strategies are mom tested and kid approved.  Check with your pediatrician to find the vegetable and fruit recommendations for your child.  Vegetable and fruit requirements vary by age and other factors of your child, but generallly children need 2 to 4 servings per day.  There are so many health benefits to eating fruits and vegetables, not to mention the memories your family will make when trying new recipes. Summer is here and it is the perfect time to support your child in creating healthy eating habits.  Your child will thank you later. 

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With Dental Blue, members do not pay a deductible for check-ups or diagnostic and preventive services.  Check-ups and cleanings are covered twice per benefit period. Plus, members can visit any licensed dentist they choose. There are no “in-network” restrictions.  Members pay a $75 annual deductible for both basic services like routine fillings and extractions, and major services including crowns, bridges and dentures.  

Applicants can choose Dental Blue coverage for themselves, their children or the entire family. There are three convenient payment options: monthly bank draft, semiannual payment or annual payment. (more…)

Red wine, in moderation, has been found to contain powerful substances that benefit the heart, the nervous system, and even your teeth, and it may even offer some cancer protection. It has been said that red wine is good for a man’s health in a number of ways, according to many studies.  But the alcohol in red wine has little to do with it, red wine happens to contain powerful antioxidants, substances that protect your cells against damage caused by unstable molecules called free radicals.  The health benefits from wine are the same for men and women, but men can drink more given their generally larger body mass — one or two 4-ounce glasses of wine per day — while women should consume only one glass.  You still need to practice moderation when you drink, research suggest  having more than this amount has been tied to heart disease, liver damage, and other health problems.  Red Wine is rich in Antioxidants which will keep free radicals from attacking the body’s cells and contributing to destructive processes inside the body. (more…)

With our fast paced lives, it is hard to find the time to enjoy the outdoors with your family. Have you ever thought about setting aside one evening each week as family time? We are all faced with finding a good balance between work and family.  Setting aside one night per week as “family time” is the beginning to a healthy lifestyle for your family. Experts recommend that children get at least 60 minutes of outdoor play each day.  Below are some activities for families of all ages to enjoy.
 

DISCOVER THE WILDERNESS: Take your family on a walk through your neighborhood or backyard and look at nature’s beauty. Try to keep a nature journal and post pictures of different creatures you encounter. (more…)

Summer officially begins on June 21st which to North Carolinians will mean the start of fresh local seafood.  Seafood can be part of good nutrition.  There are various health benefits to seafood.  Incorporating good nutrition into your eating habits can start at a young age. 

Nutritionally speaking fish is a great catch for children.  Research shows that Omega 3’s in certain fish have brain boosting developmental power. Seafood is also high in protein and loaded with vitamins and minerals.  

There are so many benefits in adding seafood into your family’s nutrition.  A basic understanding of cooking techniques, nutrients, and healthy fats that exist in seafood can be the start of a family conversation.  Involve your children in the decision making process by allowing them to choose the type of seafood they find appetizing.  You can even plan a family trip to the beach, lake, or local bodies of water so that the children can experience the joy of catching their own food.  If you aren’t quite ready to become a fisherman yourself, bring your children to the local seafood market.  A visit to the local seafood market can be fun and educational.   

So from the bodies of water to your table, dive in and see what catch of the day can start your family toward healthy nutrition.  Seafood is not only delicious but it is good for you as well and is the start to developing a healthy lifestyle. (more…)

Blue Cross Blue Shield of North Carolina (BCBSNC) always promotes a healthy lifestyle.  You could reduce your monthly rate as much as 15%  if you qualify for this discount.  This rating tier is referred to as “Preferred Plus” – if you do not smoke, you do not have any pre-existing health conditions, lead a healthy lifestyle, if you are not taking any medications and if your height and weight ratio is within Blue Cross Blue Shield of North Carolina’s preferred guidelines, you may qualify for this discount. 

It does not cost anything to apply for our Blue Advantage or Blue Options HSA plans to determine if you qualify for this discount.  After you apply, your application is submitted to underwriting for final approval.  Once approved, you view your final rates, you have the ability to change to any plan available and enroll in your policy.  If you determine you do not want to proceed with acquiring the coverage, you have the option of deleting your application.  You are not under any obligation to purchase the plan once you have received final rates and approval.  Also, compare our Blue Advantage plans to our Blue Options HSA for even more costs savings. (more…)

More and more studies are showing how important vitamin D is to women’s health and  women aren’t getting enough of this essential vitamin.  Studies show you can increase levels through both your diet and supplements.  To get enough vitamin D from the sun, you need to spend about 5 to 15 minutes in the sun, just three times each week, without sunscreen. Too much sun exposure can cause sunburn and increase the risk of skin cancer, so make sure you limit your exposure. Also, you can expose your arms and legs, but you should always protect your face with sunscreen. If you don’t feel safe in the sun, turn to your diet and a vitamin D supplement to get the vitamin D you need Vitamin D promotes the body’s absorption of calcium, a mineral that helps keep bones and teeth strong. Vitamin D also regulates the body’s calcium levels in the blood, as well as levels of the mineral phosphorus, which helps promote healthy bones and teeth. Vitamin D deficiency can be serious, causing bones to deteriorate and weaken. In adults, a vitamin D deficiency can lead to the bone condition osteoporosis and, in children, it can cause rickets — soft and weak bones.  Look for discounts on your vitamins when you purchase your health insurance coverage through Blue Cross Blue Shield of North Carolina. (more…)

From J. Bradley Wilson, president and CEO of Blue Cross and Blue Shield of North Carolina:  Mark Twain wrote, “Always do right. This will gratify some people, and astonish the rest.” It might astonish many people that Blue Cross and Blue Shield of North Carolina stands ready to implement what is likely to be the first of several waves of health care reform. 

For the past 14 months, insurance companies have been poster children for what’s wrong with health care. In the face of relentless attacks by politicians, abetted by the news media, health insurers have not done a good job of explaining the value of health insurance.  (more…)

Jerry Ballard & Associates, Inc. partners with Independent Benefit Advisors located in the Triangle area who was ranked NUMBER ONE agency in the State of North Carolina for Medicare products through Blue Cross Blue Shield and now handles all of our senior products.  See the doctor you prefer and enjoy all value-added discounts.  Keep control of your care, savings and peace of mind.  Medicare only covers some of your medical costs, which is why Blue Cross and Blue Shield of North Carolina (BCBSNC) offers Medicare Supplement plans for Medicare beneficiaries and helps cover costs that Medicare doesn’t.

With the largest market share of Medicare supplement policyholders in the state, BCBSNC serves more than 125,000 North Carolina Medicare beneficiaries with over 75 years of experience in the health care industry. (more…)