Highlights:

• BCBSNC affected by economy but finances, membership stable

• Medical spending for customers increases

• Profit margin declines

Chapel Hill – In 2009 Blue Cross and Blue Shield of North Carolina (BCBSNC) continued to see
stability in its customer base and financial performance, despite a difficult economy.
“During this down economy, when many insurers have lost customers, Blue Cross is holding its own.
We remain strong and viable and focused on meeting the health care needs of our customers every day,”
said President and CEO Brad Wilson.

BCBSNC had a net income ratio (profit margin) of 2.1 percent for 2009, equating to just 2.1 cents for
each dollar of revenue. That was down from 3.6 percent in 2008 and below the company’s target range
of 3.5 to 4.5 percent. The company’s profitability was affected by higher medical costs and slower
membership growth due to the state’s down economy. The company’s consolidated net income was
$107.3 million with total revenue at $5.2 billion.

During 2009, BCBSNC spent more of every premium dollar on the medical care of its customers –
nearly 87 cents per premium dollar compared to just over 85 cents in 2008. Included in the increased
medical costs this year were costs associated with H1N1 and seasonal flu, as well as an investment the
company made in waiving its customers’ generic drug copayments for the first six months of 2009.
Most of the remainder of the premium dollar went toward customer service and technology investments
to support its products and service.

For the last four years, BCBSNC has encouraged the use of generic drugs to help hold down medical
costs and make it easier for consumers to afford their medications and stick to the regimen prescribed by
their doctor. The use of generic prescriptions went up nearly two percentage points to approximately 68
percent from December 2008 to December 2009.
The company spent more than $4.0 billion in claims and medical expenses during the year for its insured
customers, compared to $3.9 billion for 2008. The company paid a total of over $11.3 billion for both
insured and self-funded customer claims.

The company’s overall membership exceeded 3.7 million in 2009, which is essentially flat compared to 2008. This includes approximately 900,000 served on behalf of other Blue plans.
As a fully taxed company, BCBSNC incurred nearly $134 million in local, state and federal taxes in
2009.

The company continued to rank as one of the Triangle’s top ten private employers. BCBSNC’s
workforce was over 4,600 at the end of 2009.

Blue Cross and Blue Shield of North Carolina is a leader in delivering innovative health care products, services and information to more than 3.7 million members, including approximately 900,000 served on behalf of other Blue Plans. For 77 years, the company has served its customers by offering health insurance at a competitive price and has served the people of North Carolina through support of community organizations, programs and eventsvthat promote good health. Blue Cross and Blue Shield of North Carolina is an independent of the Blue Cross and Blue Shield Association.

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 it comes to torture, we could all learn a thing or two from kids. Who knows better than they how to extract most anything they want within minutes of applying the technique? I’m talking about whining, of course — that grating mewling that causes us to do anything (anything!) just to make it go away. But you can break the habit. And the rewards of victory can be rich for both of you.
Toddlers
Why they do it: Early talkers whine like babies cry. Some experts say that whining tends to peak in a child’s development when she’s feeling out of control and overwhelmed — emotions that pretty much sum up toddlerhood. She lacks the vocabulary to articulate her frustrations, and that whimpering is the natural default noise.
Certain triggers, such as hunger and fatigue, can also cause breakdowns (true for kids of all ages), so keep that in mind the next time you take your toddler grocery shopping close to naptime.
How to stop it: Patience becomes the first rule when confronted with these early bouts of whining. When her son, Matthew, who’s almost 3, melts down because he can’t wait ten more minutes for dinner, Rae Sullivan of Durham, North Carolina, gives him a little extra attention, like five minutes of lap or snuggle time. Those five minutes are well spent if it means she can finish cooking without another whinefest. Tossing him a few crackers to eat in the meantime doesn’t hurt, either.
“A lot of toddlers don’t even know they’re whining,” says Sheila Oliveri, a mom of three and a nursery school teacher in St. Louis. So give your little complainer an exaggerated demonstration: “Whyyyyyy are you taaaalkingg like thaaaaaat?” The result will be twofold: “You’ll show her exactly how irritating whining is,” says Oliveri, “and you may make her laugh, which will make her forget why she was complaining in the first place.”
Or try recording your child. Play it back to her so she knows what she sounds like, and work with her on better ways to ask for the things she wants or needs.
Preschoolers
Why they do it: Like toddlers, the 3-to-5 set has a low threshold for frustration. Plus, they’re going through a lot of changes — such as starting school, facing a new baby sib, or graduating to a big-kid bed-that make them extra hungry for your attention, even if it’s the negative kind.
How to stop it: The great thing about preschoolers is that they can still be distracted by a clever trick. For instance, Debbie Granick of St. Louis uses a “whine” cup, or bowl or bucket or whatever’s at hand. “Whenever one of them starts, I say, ‘Here, go pour out your whine and bring me your regular voice.’ It gets a smile, or at least that ‘Oh, Mom’ look, and then they’ll usually change their tone.” She then thanks her child for using a “pleasant” voice.
Or whisper your answer back. “You may have to whisper it several times, but your child will have to be quiet to hear you, and a lot of times he’ll mimic your tone of voice,” says Karen Shaffer, a mom of three in Highland, California.
By the time they’re 4, most kids are able to understand that their behavior has consequences. So you can start using the “I can’t understand you when you whine” technique.
“When my children complain, I say, ‘I’m sorry, but when you talk in that voice, I can’t understand anything you’re saying. Use your normal voice and I’ll try to listen to you.’ Then I ignore them until they start to comply,” says Audrey Smith, a mom of two in Long Beach, California. It works, she says, but you have to be as consistent as possible.
And that’s not easy, as we all know. Who among us hasn’t caved in? Trouble is, if your child sees you can be broken, he’ll simply up the ante, and your whining problem will be worse.
Besides being consistent, look for ways to reinforce the behavior you do want, like thanking him when he repeats his request in a polite tone.
Grade-schoolers
Why they do it: Besides whining when they’re tired or hungry, kids grumble when they’re asked to do things they don’t want to do (insert your chore of choice) or when they’re bored. Whining is learned behavior, and by the time a kid is in elementary school, she’s a pro.
How to stop it: Some moms swear by sending their child to the “whine” room as soon as she starts. Sending her away-to the corner of the living room, say, and letting her vent aloud to herself-spares you from having to listen to it and may help the offender understand what she sounds like.
Shaffer has another tactic when her school-age kids start in. “Every whine costs them a nickel, to be deposited in a special jar,” she says. “Then we give the money to the charity box at church on Sunday.”
When you’re out in public, you can head off most whining by establishing some rules before you leave. My two kids know that there’s every possibility of a small candy or sticker purchase if they make Mommy’s trip to Target as pleasant as possible. They also know that the moment they start complaining in that tone of voice, the deal’s off. Sometimes my 5-year-old slips up, but my 8-year-old has this rule down cold.
It bears keeping in mind that everyone whines — moms and dads, too. But our kids model their behavior on ours, so the next time you’re griping about soccer-practice schedule, take a minute to listen to yourself and then go put a nickel in the whine jar. Your child will be impressed.

By Julie Tilsner, Parenting Magazine

The information above is brought to you from www.parenting.com 2009.

For more information on health insurance coverage in North Carolina and how to utilize My Member Services, 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.

Blue Advantage

Blue Cross Blue Shield of NC has the largest network of doctors and hospitals of any company we represent.  One unique feature of the plan that separates Blue Cross Blue Shield of North Carolina from other companies is that most services done in the doctor’s office during your visit are charged against that visit and are covered under your office visit co-payment.  We do not have any other company that offers this exceptional benefit.  To view a comparison of the plans offered by Blue Cross Blue Shield of NC, click here.  If you would like a free personalized quote for Blue Advantage, Dental Blue, HSA or any Medicare products, click here for further information.

For more information on North Carolina health insurance, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional authorized 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 all our office for details.

It’s more important than ever to be a savvy health care consumer.  You can take charge of your health by knowing where your money goes and committing to live a healthier lifestyle. 

What we all pay out-of-pocket is a small percentage of the overall cost of health care.  BCBSNC continues to look for more ways to make health care less of a burden and more of an advantage. 

You can take your dollar further by enrolling in free and discounted programs:

• Improve your health and save money by joining Member Health Partnerships.  These programs offer special tools and savings to help you lose weight, manage stress, quit tobacco and manage a host of other conditions.
• You might be eligible for discount programs including chiropractic care, vitamins and supplements, vision and Lasik, hearing aids, and weight management.
• Enjoy Blue365 Discounts with savings from selected companies on healthy lifestyle products and services.

Stay in-network:  Visiting in-network health care providers save you out-of-pocket costs.  You can check out the online provider directory to see what doctors participate in our network and what deductible and coinsurance amounts may apply to your visit.

Save money with generic drugs:  Did you know that some drugs can cost 80 percent less than their brand-name counterpart?  Make a habit of asking your physician or pharmacist if a generic option is available.

The information above is brought to you from BCBSNC, A Guide to a Healthier You, 2009.

For more information on health insurance coverage in North Carolina and how to utilize My Member Services, 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.

•   Blue Cross Blue Shield of North Carolina has a broad range of premium and deductible options for you to pick from.  With predictable co-payments and the largest provider network in the State of North Carolina, this local company has been serving the State of North Carolina for more than 70 years offering North Carolinians the most popular individual health insurance plan in the state.

Coverage for preventive care services

• Child-only policies available
• Out-of-pocket maximum protects you from high-dollar medical bills
• Secure access to health plan information online
• Optional maternity coverage available. 
• Apply today.  It’s fast, easy and secure just click here and fill out the information and you are on your way to acquiring our most popular health coverage.

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.

As consumers, we are demanding more medical services than ever before. And the cost of these services is going up. These increased costs are passed on to employers in the form of increased premiums. Insurance companies work with employers to adjust services offered, as well as co-payments and deductibles, to minimize the impact of rising costs.

Take time to understand your health plan — it can help save healthcare dollars for you and for all Americans. For example, many health plans offer a reduced co-pay if you choose FDA-approved generic prescription drugs, so you pay less. Because the average total cost of a generic drug is three times less than the brand name, it helps keep costs down in your health plan.

Understanding the basics of how health insurance works and how to make the most of your own health plan can help keep healthcare affordable for everyone.

The content of this post is from BlueCross BlueShield Association’s article “Coverage Basics: How Health Insurance Works”

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.