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Save for the Unexpected – Get a BCBSNC HSA Compatible Health Plan

Wednesday, March 11th, 2015

bigstock_Rising_medical_cost_in_the_Uni_6917551Do you currently have enough savings to cover an unexpected health emergency?  If not, you may want to start setting aside money in 2015.  With the cost of health care on the rise, it is important to know you and your family are covered in case of a medical emergency.  One route you may want to consider is obtaining a Health Savings Account Eligible health plan.  If you purchase an HSA-compatible high-deductible health insurance plan, you can pair it with a health savings account and start saving for the unexpected.  Funds placed in the HSA account may be used for qualified medical expenses and there is no minimum contribution amount.  You are also able to claim a tax deduction for any and all contributions you make throughout the year.  In this way, your money grows on a tax-free basis.

In 2015, HSA holders can save up to $3350 for individuals and $6650 for families.  Holders 55 years of age and older can save an extra $1000, increasing savings for individuals to $4350 and $7650 for families.  All of this money is 100% tax free so this is a great way to increase wealth and create a small tax shelter.  For more information on HSA limits for 2015, click here.

Also, in 2015, a high-deductible health insurance plan is one with a deductible of at least $1,300 for self-only coverage and $2,600 for family coverage.  See eligible Blue Cross Blue Shield HSA compatible plans.

Once you have a clear idea of your healthcare needs and your financial situation, you can determine your plan options and compare benefits.  If 2015 brings life changes that make a different kind of insurance plan something to consider, consider a BCBNC HSA compatible high-deductible health plan and start saving the smart way!

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 PLANS

Tuesday, March 11th, 2014

bigstock-An-image-of-a-choosing-a-healt-29353766Blue Advantage features a provider network that covers all 100 counties in the state at an affordable price.

91% of doctors and 99% of hospitals in the state are covered

Coverage in North Carolina, the United States and worldwide

More pharmacy and prescription drug options

Flexibility in how much you pay for doctor visits and prescription drugs

Preventive care covered at 100%

Blue Advantage is ideal for those who want choices: choices in which provider to see and choices for how much to pay for doctor visits and prescription drugs.

Benefit Choices

Blue Advantage offers a variety benefit choices to give you options for how much you pay for medical expenses: copayments, and deductible and coinsurance plans.

Copayment plans are what most people think of as traditional plans. They offer a fixed copayment for things like primary care office visits and prescriptions. While you’ll know what you’re going to pay with copayment plans, they come at a higher premium. These plans are ideal for someone who wants predictable costs and doesn’t mind paying more in premiums. (more…)

Blue Options HSA

Friday, July 26th, 2013

Blue Cross Blue Shield of North Carolina Blue Options HSA is a plan that gives you more control over your health care dollars.


Saves more money with low monthly premiums
Enjoy tax savings with a health savings account
HSA funds can be used tax-free to pay for eligible medical expenses
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 your HSA funds.
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.

Get your free rate quote today through BCBSNC

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.

How a high-deductible health plan can help you save money

Monday, July 15th, 2013

Another benefit of having a high-deductible health plan is that it makes you eligible for a health savings account (HSA) that enables you to pay for qualified medical expenses tax free.

The funds you contribute to your HSA, up to the annual contribution limit, are not taxed. That means you can save up to $300 on taxes for every $1,000 you contribute. When you use your HSA funds to pay for qualified medical expenses, such as office visits, prescriptions, lab tests, hospital stays, medical procedures and much more, the withdrawals are also not taxed. For a list of qualified medical expenses visit www.irs.gov and reference Publication 502.

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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.

HSA Plans – Great Coverage with Lower Premiums

Sunday, October 31st, 2010

Blue Options HSA links a high-deductible health plan to a health savings account (HSA), which can be used to pay for qualified medical expenses tax-free.  Monthly premiums are as much as 50% lower than traditional health plans. The HSA is portable and any unused balance rolls over at the end of the year.Lower premiums—save as much as 50% off Blue Advantage .  Choose your own doctor from the largest provider network in the state.  Preventive care services covered at 100%

(1) An HSA is automatically included with your health plan if you select Mellon as your fund administrator

(2)  Mellon HSA includes a convenient debit card at no charge

(3)  HSA contributions and withdrawals are tax-fre

(4)  Annual contribution limit for 2010 is $3,050 for individual plans and $6,150 for family plans

(5)  Out-of-pocket maximum protects you from high-dollar medical costs

(6)  Secure access to health plan information online

(7)  Optional maternity coverage available.

*The content of this post is provided by BCBSNC.

For more information about 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.

GET YOUR FREE RATE QUOTE TODAYCLICK HERE TO GET STARTED

Blue Advantage and Health Savings Account

Wednesday, November 5th, 2008

HEALTH CARE COVERAGE DESIGNED FOR YOU AND YOUR FAMILY.

Whether you are looking for traditional PPO or a high-deductible health plan, Blue Advantage and Blue Options HSA plans offer choices to meet your needs and your budget.  Both plans offer protection against covered services that can be expensive.  And with either plan, you’re covered up to a least $5 million for covered expenses over your lifetime. 

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