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Local: 252-726-5400
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Serving North Carolina residents since 1974.

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Posts Tagged ‘Blue Cross Blue Shield of North Carolina’

Five Reasons to Talk with an NC Health Insurance Agent

Friday, August 24th, 2018

Navigating the insurance market as a first-time buyer can be overwhelming. Customers often call us lost and confused after they have attempted to understand the process of applying for health insurance, especially if it is their first attempt doing so. At NC Health Plans/Jerry Ballard & Associates Inc., we know that this process can seem daunting and stressful, but we are here to help! Our professional agents are not only helpful guides to choosing your best plan, but are also here to assist you with the entire application process. Lastly, they can provide you with important information regarding the details of your coverage. Here are five reasons why you should talk with an agent when applying for NC health insurance:

Find Out When You Can Apply:  An agent will be able to determine the time frame in which you are able to apply for insurance. These times frames include Open Enrollment Period and Special Enrollment Period. During the Special Enrollment Period, you must have had a Qualifying Life Event occur within the last 60 days to enroll in an ACA-compliant plan. Talking with our agents can verify that you meet the requirements to enroll during special enrollment.

Determine Your Eligibility for Savings: Federal tax credits, also known as subsidies, are an amenity of the Affordable Care Act that are designed to lower the cost of health coverage. Talking with an agent can help determine if you are subsidy-eligible and meet the requirements set by the federal government. GENERATE YOUR QUOTE to determine if you are eligible for a subsidy, that could significantly reduce your monthly premium!

Get Help when Applying Online: Applying for coverage through the Health Insurance Marketplace can be tricky. Having an agent help you submit your application can avoid confusion during this process and ensure that your application is complete and submitted correctly. Our agents can help you submit your application right over the phone, it could take as little as 15-20 minutes!

Gain Knowledge About Your Coverage: Not only can agents provide insight about your plan’s benefits, they can also help you understand the details of your coverage. With so many options, such as Gold, Silver, and Bronze plans it can be confusing to determine which BCBSNC plan is best for you. It is also very important to know if your healthcare provider is “in-network.” Since it can be more costly to seek “out-of-network” coverage, knowing which doctors and hospitals accept your plan is one of the best ways you can manage your healthcare costs.

Ensure You Get Coverage When Needed: While applying for health insurance, customers may find that they have a lapse in coverage before they are able to enroll in a Blue Cross Blue Shield of North Carolina plan. It is important to avoid any gaps when you may go without coverage! Speaking with an agent can ensure that you are enrolled in the correct effective date so you won’t go without the protection and quality coverage that you need to maintain your health. We can’t wait to hear from you!

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.

Add Dental Insurance for as little as $39 a month which equals $1.30 per day!

Monday, August 25th, 2014

bigstockphoto_unpleasant_procedure_4955112Blue Cross Blue Shield of North Carolina offers Dental Blue for individuals and families to optimize your health.

  • Visit any licensed dentist you choose within the network
  • No additional cost to you for two annual cleanings, diagnostic or preventive services
  • No waiting period for preventive care
  • Coverage for fillings, gum treatments, extractions, crowns and more

 

Protect your overall health

Medical experts have linked periodontal (gum) disease to stroke, heart disease, diabetes, pre-term or low-birth weight babies and other health issues. Nearly 75 percent of American adults have some form of periodontal disease, but with proper daily dental care, regular dental checkups can help detect, prevent and treat gum disease and related disorders. Choose Dental Blue for Individuals and you can take a big step toward protecting your overall health. Click here to get your Dental Blue quote.

Coverage you can smile about

With Dental Blue for Individuals, you’re covered for a broad range of dental services, including routine fillings and extractions, plus major services like crowns, bridges and dentures. Coverage also includes preventive care. That means you can get checkups and cleanings twice per benefit period, and that translates into good oral health. And there are no waiting periods for cleanings, routine oral exams and other diagnostic and preventive services.

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 Value Plan

Saturday, June 8th, 2013

Blue Cross Blue Shield of North Carolina has collaborated with providers across North Carolina to create a plan (Blue Value) that lets you trade full access for a smaller, more streamlined network of providers – with as much as 15% savings in targeted markets and as much as 6% statewide.

Get your free rate quote today and see if Blue Value is an option for you and your family.  Visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and let us help you find the best coverage for your family.

Get the Coverage You Need, the Savings You Want A point-of-service (POS) product, which is a type of HMO with in-network and out-of-network benefits.  Lower monthly premiums and a smaller network for those who don’t have a strong provider preference.

See a list of participating hospitals [pdf] No primary care provider or referrals required 100% in-network coverage for a wide range of preventive services .  Call today for more 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). You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.

DEVELOPING GOOD HOMEWORK AND STUDY HABITS

Monday, September 12th, 2011

Create an environment that is conducive to doing homework. Youngsters need a permanent work space in their bedroom or another part of the home that offers privacy.

— Schedule ample time for homework.
— Establish a household rule that the TV set stays off during homework time.
— Supervise computer and internet use.
— Be available to answer questions and offer assistance, but never do a child’s homework for her.

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WOULD YOU BUY PET INSURANCE IF BLUE CROSS BLUE SHIELD DEVELOPED A PLAN?

Saturday, September 10th, 2011

STAY INFORMED – IF BLUE CROSS BLUE SHIELD OF NORTH CAROLINA  DEVELOPED A PLAN FOR PET INSURANCE, WOULD YOU BUY PET INSURANCE FOR YOUR ANIMALS?

Pet health insurance is still relatively new, and many pet owners are still unaware of their options. You have to decide for yourself, which pet insurance company is the right one for you, and if it is worth it for you to pay the premiums in the event that something could go wrong. Accidents do happen, and pet insurance after the fact, is not going to help as they do not cover pre-existing conditions.

Many pet insurance providers do have different plans available, for different scenarios. Many pet owners have accidental coverage only. I urge you to check the different providers listed for your area, and look carefully at what each plan covers before you make your decision.

Look very carefully at the fine print so that you’re not surprised when you file a claim and find that it’s denied.

 You need to know:

Is there a physical exam required to get coverage?

Is there a waiting period?

What percentage of the bill do they pay — after the deductible?

Are payments capped in any way?

Are there co-pays?

Does the plan cover pre-existing conditions?

What about chronic or recurring medical problems?

Can you choose any vet or animal hospital?

Are prescription drugs covered?

Are you covered if you travel with your pet?

Does the policy pay if your pet is being treated and dies?

Our Opinion:

If you love your pet and you don’t have the money to cover an emergency medical situation that could cost thousands of dollars, I think you should consider pet insurance. You’ll get the lowest price if you buy when the animal is young.

Remember, insurance is designed to cover you from a catastrophic financial loss. So choose the highest deductible you can reasonably afford. That will help lower the monthly premium.

The bottom line: If you buy pet insurance and don’t use it, consider yourself lucky. But with pets living longer these days, your chances of using the policy are greater than ever.

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.

Group Health Insurance

Thursday, September 8th, 2011

Flexible Group Health Plans for North Carolina Employees of Small, Medium and Large Businesses from Blue Cross and Blue Shield of North Carolina.

Jerry Ballard and Associates d/b/a NC Health Plans is pleased to introduce you to North Carolina Group Health Insurance Plans from Blue Cross and Blue Shield of North Carolina, the leading provider of group health and life insurance in North Carolina.

Choose from a variety of popular Major Medical plans, supplemental plans and term life plans to create a powerful package of benefits for your employees.

Plans include a choice of deductibles, low co-payments for doctor office visits and wellness benefits such as physicals, prescription drug coverage and unlimited lifetime benefits

What BCBSNC group health plan is best for your company?  Submit your online application by completing the employee census form, if you have 25 or fewer employees. If you have more than 25 employees, please print out and complete the 26+ Census Form and fax to Jerry Ballard & Associates, 919-287-2777.

We will email your Group Health Plan quote. Please note that we may have to call you once with questions to ensure the accuracy of our group health quote.

Any questions? Feel free to call the helpful professionals at Jerry Ballard & Associates, your independent North Carolina health and life insurance agency: toll free 888-765-5400 or 252-726-5400. Our goal is to provide you with exceptional customer service.

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.

BCBSNC Product Spotlight: Blue Advantage Saver

Monday, September 5th, 2011

Ideal for those who want more predictable health care costs

A plan featuring more cost-saving options

Limited office visit copayments for those who don’t need to visit the doctor as often

Lower monthly premiums

More choices in how you pay for doctors visits and prescription drugs You get many of the features found in Blue Advantage

You have more flexibility, getting just the coverage you need at a lower monthly premium

Preventive care is covered at 100%

The information in this article is from bcbsnc.com, product benefits.

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.

Short Term Health Insurance

Sunday, September 4th, 2011

Sometimes major life changes can suddenly leave you without proper health insurance.

Are you a recent graduate?

Are you no longer covered by your parents’ plan?

Are you between jobs?

Are you working a temporary or part-time job?

New employee waiting to qualify for your company plan?

Temporary health insurance is a fast, affordable and easy solution for people who are currently without health coverage.  CLICK HERE to get an online quote and submit your online application in just a few minutes. You can be covered as early as 12:01 am the following day or select a specific date in the future for your temporary health insurance plan to begin.

Start your North Carolina Health Insurance as early as tomorrow if you apply by midnight tonight.   One of our qualified agents at NC Health Plans will be happy to assist you in selecting the best health insurance plan for you and your family.

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.

BCBSNC Product Spotlight: Blue Options HSA

Monday, August 29th, 2011

 

  • A plan that gives you more control over your health care dollars
  • Save more money with low monthly premiums
  • Enjoy tax savings with a health savings account
  • Coverage for preventive care and catastrophic events
  • Combine a high-deductible health plan (HDHP) with a health savings account (HSA) and you can potentially reduce your monthly premium significantly and save money.
  • Coverage for preventive care and catastrophes
  • The money you contribute to your HSA is tax-deductible.
  • When you need to pay for medical services, you can pay for them with the funds from your HSA.
  • Your HSA rolls over from year to year. That means you keep what you put into it. It’s your HSA – it’s your money.

The information in this article is from bcbsnc.com, product benefits.

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.

PADDLE BOARD YOUR WAY TO GOOD HEALTH

Saturday, July 30th, 2011

You may have seen the sport out on the beach.  While many people find paddle boarding fun, many also see the health benefits with this popular sport.   If you are an avid water lover, and ready for a good challenge, then stand up paddle boarding might be the perfect combination for your summer activity.  Also, more activity promotes good health so having fun with your summer activities can improve overall health and fitness. 

According to exercise experts, this sport is a full body workout.  Paddle boarding strengthens your core, improves balance, and best of all burns calories.   When you paddle you rotate using your abs.  You may also develop muscles on the core areas (hips, trunk and buttocks). You can contact most local surf shops to find paddle board lessons which are being taught up and down the East Coast.   Our agency owner worked closely with AB Surf Shop on Atlantic Beach to purchase an awesome board for a Christmas gift and we were very happy with our purchase.

Paddle boarding does take a little practice.  The hands-on experience is challenging.  Although regular practice will guarantee success, most people usually are able to stand within 10 minutes.  Paddle boarding is an active sport for any athletic ability and any size person. 

Paddle boarding is a fast growing water sport.  Remember it is important to stay active and healthy.  Not only do you get health benefits from your healthy lifestyle, but you can save money when purchasing private health insurance and get discounts in your premium due to excellent health. 

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 to 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.

Preventive Care Benefits – 100% Covered by BCBSNC

Tuesday, February 22nd, 2011

GREAT COVERAGE STARTS HERE:  For most all non-grandfathered plans offered by Blue Cross Blue Shield of North Carolina now offer 100% coverage for all preventive services….no more co-payments or deductibles.  Some of these benefits include adult annual exams, urinalysis, blood test, screen test, immunizations, well-baby care, well- child care, mammograms, colonoscopies, polyp removal and obesity evaluation and management.

Also being offered are our new lower costs plans by BCBSNC ,  Saver 1, 2 & 3 plans offering high deductibles as well as limited office visit co-payments, limited prescription coverage and plans offering no co-payments with deductibles as high as $10,000.00 and $20,000.00.    Of course, Blue Options HSA and Blue Advantage plans are among the most popular plans being sold today.  Now you have the ability to select from a broad array of plans that will work best with your budget.

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.

DENTAL HEALTH FOR YOUR CHILDREN

Sunday, January 23rd, 2011

Keeping kids’ teeth healthy requires more than just daily brushing. During a routine well-child exam, you may be surprised to find the doctor examining your child’s teeth and asking you about your water supply. That’s because fluoride, a substance that’s found naturally in water, plays an important role in healthy tooth development and cavity prevention. 

Blue Cross Blue Shield of North Carolina offers Dental Blue insurance coverage that pays 100% of preventive care , routine oral exams and cleanng.   Dental Blue also includes coverage for basic and major services as well.

Even tiny tots need regular checkups, just like mom and dad. The American Dental Association recommends kids start getting checkups at about age 1, or when their first tooth appears.

Yet even before then it’s important to care for your child’s teeth and gums. Though they’ll eventually lose them, baby teeth help a child speak and chew well, and also create a path for the permanent teeth that follow

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.