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Jerry Ballard & Associates, Inc.
Local: 252-726-5400
Toll Free: 888-765-5400


A name you can trust, an agent you can count on.
Serving North Carolina residents since 1974.

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Posts Tagged ‘Blue Cross Blue of Shield of North Carolina’

Meet Our Newest Team Member, Savannah Clark

Monday, July 23rd, 2018

Savannah Clark is the newest member of our team at Jerry Ballard & Associates, Inc. and will be specializing in providing exceptional customer service to all our North Carolina customers.  Savannah graduated from the University of North Carolina Wilmington with a BS degree in elementary education and a concentration in the Arts.  She is also studying to acquire her North Carolina Life and Health Insurance License and looking forward to an exciting and long term career with our Agency.

A native of Eastern North Carolina, she was born and raised in Carteret County and absolutely loves it, and as she says, her roots are deep.  She attended St. Egberts Catholic school and graduated from West Carteret High School.  In the summer she loves spending time with family and friends boating and going to the beach.  She also enjoys painting as a hobby in her spare time.

Savannah brings excitement and enthusiasm to assist all of our Blue Cross Blue Shield of North Carolina clients with their customer service needs.  She is patient, empathetic, and passionately communicative.  Her ability to place herself in the shoes of the customer and advocate for them when necessary makes her a pleasure to work with and a true asset to our team.

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.  Our Agency can guide you through the complete application process, on or off the Marketplace for any plans offered, including, but not limited to, Bronze, Silver, and Gold Plans, Medicare Supplement Plans, Dental Blue and Short Term plans.

 

Bypass the Marketplace – Unsubsidized BCBSNC health plans

Friday, January 23rd, 2015

shortcut short route cut distance fast easy way bypassWith all the talk surrounding the Affordable Care Act and government subsidies, it’s easy to think that a subsidized health plan through the federal Marketplace is the only kind available to you; however, that is not the case.  ACA approved unsubsidized health plans are still available to all consumers and there is no need to visit the Marketplace to apply.  In fact, every Blue Cross Blue Shield of North Carolina health plan is ACA compliant, meaning they cover the 10 essential benefits required under the Affordable Care Act and you are able to purchase the plans either with or without a federal subsidy.  Federal subsidies are based entirely on income, and though many Americans do qualify for a tax credit to offset the costs of their monthly health insurance premiums, many other Americans do not.  Initially this may seem like bad news, but it is not entirely without benefit.

If you currently do not qualify for a federal tax credit based on your income, although your monthly premiums may be higher, the application process itself will be much simpler.  In fact, you can get an unsubsidized ACA approved BCBSNC health plan in only a few short minutes.  With the exception of tobacco use, you will not have to answer any questions about your health and no income or tax information will be required.  Furthermore, your health coverage will in no way impact your federal income tax, other than the fact that maintaining a health insurance policy will save you from incurring a tax penalty.  Fluctuations in income will not need to be reported to the federal government because your health insurance premium is not being subsidized.

Another important fact to remember is that being eligible for a subsidy and being eligible for coverage are two different things.  Just because you may not qualify for a subsidy does not mean you are ineligible for insurance.  For example, your child might qualify for Medicaid and thus be unable to receive a federal subsidy; however, you can still purchase an ACA approved unsubsidized BCBSNC health plan for that child.

The main thing to keep in mind is that insurance plans and federal subsidies are two separate things and sometimes bypassing the Marketplace altogether is the smarter choice depending on your circumstance.  Either way, Blue Cross Blue Shield of North Carolina can offer you coverage unlike any other.  With the largest and most extensive network in North Carolina, BCBSNC is the best choice for you and your family – either on or off the Marketplace.

For more information on Blue Cross Blue Shield of North Carolina health insurance coverage, the Marketplace and healthcare gov  to apply for your subsidy, 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.  Let us help you navigate through the Health Care Reform changes in accordance with the new regulations of The Affordable Care Act, also known as Obama care.

 

Blue Cross Blue Shield of NC – How to Apply

Wednesday, February 26th, 2014

bigstockphoto_online_application_2680056Enrolling 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.

 

WHY ARE INFANT RATES HIGHER?

Friday, March 19th, 2010

 

Historically, Blue Cross Blue Shield of North Carolina has not differentiated rates for children between the ages of 1 to 18. As the medical costs for children have increased, the company needed to begin studying the costs within life stages of the children, too. What was found was that the age cost curve for children does not progressively go up like all other age groups.

 

 

The company has seen that the costs of newborns to age 1 have the highest cost of any age under the age of 18. When these changes were made, the two year old rate was actually lowered to more properly reflect the lower costs children have after their first year. And the nine month-old  is also scheduled to get that lower rate when they turn two years old.  Without considering medical trends or other shifts, the decrease could be approximately 33%.

 

 

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.