If you applied in the past for Blue Cross Blue Shield Individual insurance or through another carrier and were declined due to medical ineligibility, we wanted to make you aware of new 2014 underwriting regulations through the Affordable Health Care Act, also known as Obamacare.  Under these new regulations, applicants who apply for coverage with a January 1^st or later effective date will no longer be underwritten with regards to their health or pre-existing conditions and therefore will be guaranteed issued with no rate increase for health conditions. The law also requires insurance companies to cover all applicants within new minimum standards and offer the same rates regardless of pre-existing conditions or gender.  Beginning October 1^st, we will be enrolling new customers into Blue Cross Blue Shield plans for 2014 effective dates.  Please give us a call or go online to generate your free rate quote on or after October 1^st and secure your Blue Cross coverage for 2014. If you would like to get your free rate quote and/or apply on line for Blue Cross Blue Shield coverage, please CLICK HERE and complete the information to generate your quote.

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). Call us for details.

WHAT INCOME IS USED TO DETERMINE MY SUBSIDY when applying for my Blue Cross Blue Shield of North Carolina coverage?

The total of your gross adjusted income and tax-exempt interest income.  Found on Lines 8b and 37 of IRS Form 1040. The income used will be based on your 2012 year (filed in 2013) and will be adjusted based on your expectations for 2014.  Subsidy amounts will be reconciled in 2015 based on actual 2014 income and tax returns for that year.

Guaranteed issue when you apply today for your coverage to begin on January 1, 2014.

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). Call us for details.