Good news for older adults, part of the prescription for a healthier, better retirement is exercise. Physical activity protects against declining health and adds years to your life.    Blue Cross Blue Shield of North Carolina offers many choices of Medicare Supplement Plans which offers discounts to gyms and don’t forget those wellness visits each year.

Did you know that moderate intensity physical activity can help you live longer and reduce health problems? Regular exercise helps control blood pressure, body weight and cholesterol levels, and cuts the risk for hardening of the arteries, heart attack and stroke. It conditions muscles, tendons, ligaments and bones to help fight osteoporosis, keep your body more limber and stabilize your joints, thus lowering the risk of everyday injury. Also, it improves digestion and is good for managing lower back pain, arthritis and diabetes. Regular physical activity helps you maintain your independence. Recently, there has been research that suggests an active lifestyle lowers the risk of some cancers. But perhaps the best reason for incorporating regular exercise into your life is that you will feel better. Exercise helps you sleep better and manage stress better, and gives you more energy to enjoy work and play.

A good exercise program includes cardiovascular exercise, muscular conditioning and flexibility exercises. The best cardiovascular exercises for seniors are non-jarring, such as walking, swimming and cycling. Start with a light regimen and gradually build up to a total of at least 30 minutes of activity on most days of the week. Playing with children, walking the dog, dancing and gardening are other ways to incorporate activity into your daily routine.

Strengthening exercises such as lifting light weights help to maintain your muscle mass and promote bone health. Research suggests that adults older than 50 years who do not perform resistance training lose nearly 1/4 pound of muscle mass per year. Since muscle mass is directly related to how many calories your body burns each day, resistance training is important for weight management. End each workout with stretching exercises to help maintain your mobility and range of motion and decrease your risk for injury.

The best way to keep fit is to choose exercises you like. Some older adults like aqua aerobics, yoga, pilates or just walking the dog. Seniors also enjoy group exercise classes, since they offer an opportunity to socialize and develop friendships.  As always, make sure you consult your doctor before beginning any new exercise program.

For more information on North Carolina 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.

“Obamacare” is a popular term used to describe the Affordable Care Act.  As insurance advisors, one question customers frequently ask is “Do you offer anything other than Obamacare?”  Understanding this question is most important before answering it.

First, Affordable Care Act compliant plans are not only health insurance plans offered through the Health Insurance Marketplace or “Exchange.”  They are also health plans offered “Off Exchange” or directly through insurance companies, as long as they meet all requirements under the Affordable Care Act.  In North Carolina, Blue Cross Blue Shield of North Carolina offers the vast majority of the ACA compliant health plans both on and off the Exchange.  Blue Cross offers plans in all 100 counties and in 2017 was the only company offering “On Exchange” plans in 94 of the 100 North Carolina counties.  When considering alternatives to ACA compliant plans, the most common is Short Term, also known as Temporary Health Insurance.

Temporary health insurance plans are not compliant with the ACA regulations which allows customers to enroll outside the Open Enrollment Period without the requirement of a Qualifying Life Event.  In the past, these plans were created and structured to bridge gaps in coverage.  However, recently their attraction has grown and individuals and families have begun enrolling in Short Term plans for extended policy periods as an alternative to the ACA compliant options.  The ACA compliant plans lack the flexible plan structure and low premiums that are attractive aspects of Short Term health insurance.  Short Term plans exclude coverage for pre-existing conditions which is a requirement under Obamacare.  Additionally, you must answer health questions on a Short Term application in order to be eligible to enroll.  For these reasons, the plans are usually significantly less expensive than ACA compliant plans.  These factors and others drive the premium prices down and often surprise shoppers when making a price comparison.

Furthermore, the Short Term health insurance regulations are expected to change on April 1, 2017.  The policy periods will be limited to 3 months.  For applicants that enroll prior to April 1, the policy period can last until Dec. 31, 2017 with certain carriers like United HealthOne.

For more information on North Carolina 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.

In early 2017, the North Carolina health insurance landscape is again expecting change.  The past several years have created an individual health insurance market unlike anything North Carolinian’s have seen before.  The full implementation of the Affordable Care Act “Obamacare” in 2014 led insurance companies to make changes to the way they offered, sold, and priced insurance plans.  Individuals and families were forced to adapt to the changes in the plans offered and how they enrolled in these new plans.  Additionally, the Federal Government was in a central, governing position which impacted both the companies and the customers that purchased these plans.  Over the course of a few years, North Carolinian’s weathered the storm.  These changes have impacted our rates for the plans, doctor and hospital networks, the available insurance companies in our state and many other components of the North Carolina insurance market. Read the rest of this entry »

Health Insurance is still available! If you are one of the countless Americans who missed open enrollment. There are options for you.

Short-term/Temporary health insurance is designed for healthy individuals and families, and is a low- cost, affordable option to protect yourself and/or your family from unforeseen and emergency medical costs.

Short term plans are not compliant with the Affordable Care Act (Obamacare), so they are still available year-round. If you missed open enrollment and do not have a qualifying event that allows you to purchase an ACA compliant plan, a short-term policy can be a good choice to bridge the gap until open enrollment begins again.

Short term plans are not renewable, but some companies allow you to purchase another plan once your plan has lapsed, but you are required to answer all the health questions and qualify as you did initially.

It is important to know that short term plans are not considered minimum essential coverage under the Affordable Care Act, so people with short term health insurance could be subject to the ACA’s individual mandate penalty unless they are otherwise exempt from it.

Remember, short term plans do not cover any pre-existing conditions. They are not required to cover the ACA’s essential health benefits.  Although their sale is not limited to the ACA open enrollment period, short term plans do use basic medical underwriting to determine an applicant’s eligibility for coverage.

These plans are considerably less expensive than ACA-compliant major medical plans.  And you can get coverage as early as the next day once you answer some basic health questions.

If you are transitioning into Medicare either because you are turning 65 or have become newly eligible due to a
disability, you will likely want to consider enrolling in a Medicare Supplement.  Blue Cross Blue Shield of North Carolina can help. Because traditional Medicare, Parts A & B, do not cover some medical expenses, it’s important to understand what other options are available to you to help supplement your Medicare and offset your out of pocket health care costs.

Even before you are eligible for Medicare, you can begin reviewing your options.  Explore Medicare Supplements and begin deciding what plans work best for you.  Consult with a licensed Medicare Agent to discuss available plans and begin thinking about what kind of plan best fits your budget and your lifestyle.  Keep in mind that Medicare Supplements through Blue Cross Blue Shield are accepted by all Medicare providers.  Remember that the best time to enroll in a Medicare Supplement is during your initial enrollment period.

Medicare Supplements are designed to fill the gaps that exist in a traditional Medicare plan and can give you the peace of mind of knowing you will have the coverage you need when you need it most.  Supplements can help pay your Medicare deductibles, coinsurance and copayments and can significantly reduce your out of pocket expenses.

For more information on North Carolina 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.

As a Medicare recipient you have choices and Blue Cross Blue Shield of North Carolina is a trusted name in Medicare Supplement insurance. If you are new to Medicare or exploring the possibility of making a change to your current Medicare plan, get a free rate quote now and experience the benefits of having an agent just a phone call away.

Enrolling a new Medicare supplement plan or making a change to your existing plan can be stressful, but at NC Health Plans we strive to make the enrollment process as simple as possible.  You can now enroll your Blue Cross Blue Shield Medicare plan online from the comfort of your own home, saving you time, money and paperwork! Whatever BCBSNC Medicare plan interests you, at NC Health Plans we offer a convenient, secure online application that will only take a few minutes.  You may also speak with one of our licensed agents to discuss plans, as well as receive prompt and courteous assistance in completing and submitting your application right online.

At NC Health Plans, we understand that your time is as valuable as your health and we work hard to help our customers enjoy the best possible enrollment experience.  For your free rate quote visit www.nchealthplans.com, call 888-765-5400, or click the button below.

Maintaining a healthy lifestyle and practicing preventive health maintenance includes paying attention to oral health.  Having a dental plan that covers your preventive care dental visits and also provides coverage for other basic and major dental services is a smart way to protect your health and the health of your family.  Unlike medical plans which are subject to an Annual Open Enrollment period, you can enroll in a Dental Blue insurance plan at any time during the year.

Now that you’ve gotten your health insurance in place for 2017, consider enrolling a dental insurance plan.  Blue Cross Blue Shield of North Carolina offers dental coverage for individuals under 65 as well as Senior plans.  Seeing your dentist on a regular basis does more for your health than give you a pretty smile.  In fact, regular dental check-ups can tell your dentist a lot about your overall health and whether or not you may be developing certain health conditions.

According to the Academy of General Dentistry, there is a relationship between gum disease and certain health conditions such as heart disease and stroke.  Research suggests that oral health very often mirrors the condition of your body’s overall health and many other diseases like leukemia and diabetes actually show symptoms in the mouth, such as swollen gums, ulcers, and dry mouth.  Seeing your dentist on a regular basis allows your dentist to monitor changes and developments that could alert them to more serious health issues.

For more information on North Carolina 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.

We are now in the final weeks of Open Enrollment 2017 and if you still have not enrolled your Blue Cross Blue Shield of North Carolina health plan, now is the time to get covered!  Keep in mind, however, that you must submit an application by January 31st to have coverage beginning March 1st.  If you miss the deadline, you may not be able to enroll in health insurance until the next Open Enrollment.

Under the law of the Affordable Care Act (Obamacare), you are required to maintain qualified health insurance or possibly incur a tax penalty.  This is known as the individual mandate.  For 2017, the tax penalty is $695 per person or 2.5% of your income, whichever is higher.  In addition, if you do not have health insurance, you will be responsible for the costs of all health care you use over the course of the year.

Blue Cross Blue Shield NC offers qualified health plans in all 100 counties in North Carolina and plans are available both on and off the Marketplace.  Based on your income and the number of people in your household, you may qualify for a premium tax credit (federal subsidy) to help reduce the cost of your plan.  In addition, you could qualify for reduced copayments and deductibles.  For people under the age of 30, Catastrophic plans are available and these plans typically have a lower monthly premium.

At NC Health plans, we are committed to helping our customers choose and enroll the BCBSNC health plan that best suits your needs at a price that fits your budget.  We can help you determine subsidy eligibility, discuss plan options and walk you through the enrollment process.  We can help you submit your application online or directly over the phone in a few short minutes.

Don’t let 2017 come and go without securing the health coverage you need. For more information on North Carolina 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.

The 2017 Open Enrollment period for health insurance is still in effect and if you missed enrolling your plan for January 1st, there is still time!  You have 2 days left to submit an application and have your 2017 BCBSNC health insurance plan effective February 1st.  Whether you are enrolling your plan on the Marketplace and applying for a federal subsidy or off the Marketplace with no subsidy, NC Health Plans is here to help.  We offer a secure, simple application process that can be completed online or over the phone in a few short minutes.

Blue Cross Blue Shield NC is a trusted name in NC health insurance and the only insurance company offering 2017 qualified ACA-approved health plans in all 100 counties in North Carolina.  If you were enrolled in a United Healthcare or Aetna plan last year that ended on December 31st, you still have time to choose the Blue Cross Blue Shield of North Carolina plan that best suits your needs and your budget.

Keep in mind that the application deadline is fast-approaching.  In order for your new health plan to be effective February 1st, you must submit your application by midnight January 15th.  If you miss the January 15th application deadline, your plan cannot be effective until March 1st (some exceptions apply).  Don’t miss this important deadline.  Enroll your 2017 health today!

For more information on North Carolina 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.

Due to the rising cost of health insurance premiums and stricter guidelines surrounding enrollment periods, many people are turning to non-compliant private health insurance as a long-term solution. These plans are referred to as Short Term or Temporary Health Insurance plans, but many can be issued for a longer policy period. Because these private health plans are not subject to the laws of the ACA, they are less-expensive and can be purchased outside of the annual Open Enrollment period.  For individuals and families who have either missed Open Enrollment or who simply cannot afford an ACA-approved Qualified Health Plan, private health insurance coverage is a viable option. Read the rest of this entry »

As 2016 comes to a close, NC Health Plans would like to wish you and your family a very Happy Holiday season!  This year has once again brought about many changes in the health insurance market and 2017 will likely bring more.  Through it all, Blue Cross Blue Shield of North Carolina has remained steadfast in its commitment to providing quality health insurance plans to the residents of North Carolina and has continued to make strides in improving customer service and helping NC residents navigate the Affordable Care Act and the federal Marketplace.

If you missed your opportunity to enroll in a Blue Cross Blue Shield of North Carolina health plan for January 1st, there is still time!  Open Enrollment will not officially end until January 31st and you can still enroll in health insurance that will begin February 1st.

At NC Health Plans, we are happy to assist you in choosing your plan, determining your subsidy eligibility, applying for a federal subsidy and enrolling for coverage.  It is our pleasure to provide the most up-to-date, user-friendly enrollment application process either online or over the phone.  You can be enrolled in a BCBSNC 2017 health insurance plan in a few short minutes.

This holiday season, don’t let health insurance overwhelm you.  NC Health Plans is here to help! For more information on North Carolina 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.

Open Enrollment is not over, so if you missed the December 15th deadline, you can still enroll your Blue Cross Blue Shield of North Carolina health plan.  BCBSNC has Qualified Health Plans available in all 100 counties of North Carolina and there is still plenty of time to enroll.  At NC Health Plans we are committed to making the enrollment process as easy as possible.  If you are not eligible for a federal subsidy, you can enroll your plan off the Marketplace in a short, simple, 10 minute application.  Or, if you would like to apply for a federal subsidy and enroll your plan through the Marketplace, we can help you do that application over the phone in a matter of minutes.  In fact, generating a quote, determining subsidy eligibility and submitting your Marketplace application has never been simpler!

Keep in mind, Open Enrollment will officially end on January 31st, 2017 and if you want your new health plan to begin February 1st, you must complete your application by January 15th.  Also, remember under the law of the Affordable Care Act, you are required to carry health insurance and if you do not enroll in a Qualified Health Plan by the end of Open Enrollment, you will likely not be able to do so until next year.  You will possibly also face a federal tax penalty.

Blue Cross Blue Shield of North Carolina is a name you can trust when it comes to your health insurance needs.  Offering health plans to North Carolina residents for over 80 years, BCBSNC has remained steadfast in a rapidly changing health insurance market.  Don’t let another year go by without obtaining a Qualified Health Insurance plan.  For more information on North Carolina 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.