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Posts Tagged ‘NC health insurance’

NC Health Plans Designated to Marketplace Elite Circle of Champions

Monday, October 29th, 2018

NC Health Plans is proud to announce that we have been included in the Health Insurance Marketplace Elite Circle of Champions. This means that we have been designated the top achievement award for helping North Carolina residents enroll in Marketplace coverage through Healthcare.gov. Now that Health Insurance Open Enrollment Period for 2019 has arrived, we are ready to assist more North Carolinians in applying for affordable Qualified Health Care!

Healthcare.gov, also known as the Health Insurance Marketplace, is the avenue that individuals go through to apply for government subsidies to be applied towards their Health Insurance premiums. Subsidies are designed to lower the cost of health insurance for low and middle income individuals or families. These government applications can often be overwhelming and confusing, and we are happy to help you through this process. Our website provides consolidated Health Insurance applications, and we can help you apply for your subsidy right over the phone. CLICK HERE to generate a quote and discover if you are eligible for a subsidy.

We are proud to be recognized as a top leader and guide in helping individuals apply for affordable Health Insurance through Blue Cross Blue Shield of North Carolina and we look forward to helping North Carolinians in the upcoming 2019 Open Enrollment Period, which starts November 1st and ends December 15, 2018.

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.

BCBSNC Mapping Blue Local w/ Duke Customers to New Health Plans in 2019

Tuesday, October 23rd, 2018

As Health Insurance Open Enrollment Period approaches on November 1st, it is important to be aware of any changes to your current plan. Blue Cross Blue Shield of NC has announced that they will no longer be offering the Blue Local with Duke Health and WakeMed plan starting January 1st, 2019. If you are currently enrolled in this plan, you will be mapped to either Blue Value with UNC Health Alliance or Blue Advantage depending on where you live. At NC Health Plans, we understand a change in your plan can be overwhelming and frustrating. However, we are here to help you navigate these changes for the upcoming year. If you are living in the Raleigh/Durham or Henderson regions and are currently on the Blue Local with Duke Health and WakeMed health plan, read below to learn more about your plan changes for 2019.

Raleigh/Durham Region

If you live in the Raleigh and Durham region, your new plan will automatically change to Blue Value with UNC Health Alliance in 2019. The most significant difference between your current plan and 2019 health plans will be the provider network. Duke Health and WakeMed are not in network with Blue Value with UNC Health Alliance. Therefore, if you visit a Duke or WakeMed doctor starting January 1st, you will pay out-of-network rates. However, UNC Health Alliance is partnered with top-rate physicians, practices and hospitals across 700 locations.

Henderson Region

Individuals living in Granville and Vance counties who are currently on Blue Local with Duke Health and WakeMed will be mapped to the Blue Advantage plan for 2019. The BCBSNC Blue Advantage Plan has the widest network of doctors and specialists. This includes Duke Health and WakeMed. With this new plan, you will have more in-network options to choose from.

What’s next?

Open Enrollment for Health Insurance will begin on November 1st and last through December 15, 2018. This is the time of year where you are able to make any changes to your current health insurance plan. If you would like to learn more about your BCBSNC Health Plan options, CLICK HERE to generate your custom health insurance quote. We would be happy to discuss your quote with 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.

2019 Open Enrollment for NC Health Insurance

Thursday, October 4th, 2018

Mark your calendars! The Health Insurance Open Enrollment Period for 2019 is rapidly approaching and at NC Health Plans, we are gearing up to assist individuals and families in applying for Blue Cross Blue Shield of North Carolina Health Coverage for 2019. November 1st to December 15th marks a very important time period for health insurance known as the annual Open Enrollment Period. We know that navigating the insurance market can be overwhelming, and we are here to help! As we approach Open Enrollment, it is important to be aware of important dates and information about your 2019 health coverage. Read below to learn more about Open Enrollment Period for 2019.

When is Open Enrollment for 2019?

The NC Health Insurance annual Open Enrollment Period begins on Thursday, November 1st and lasts through Saturday, December 15th. This time period does not apply to non ACA-compliant plans, or ancillary plans such as dental or vision.

When Will Your Coverage Start?

If you enroll in a BCBSNC Health Insurance plan during Open Enrollment, your coverage start date will be January 1st, 2019. This will also be your initial premium due date.

Applying is Easy!

The annual Open Enrollment Period for Health Insurance is the easiest time of year to enroll in an Affordable Care Act-Compliant plan, also known as “Obamacare”. ACA-compliant plans are required to cover the same set of essential health benefits under the Affordable Care Act laws. Blue Cross Blue Shield of North Carolina offers the broad majority of these plans across the entire state.

During this time period, anyone shopping for individual or family Health Insurance plans can enroll in ACA-Compliant Health Insurance without having a Qualifying Life Event. In other words, individuals do not need a special reason to apply for health coverage during Open Enrollment. To get started on your application, generate a BCBSNC Health Insurance quote!

Is it Affordable?
One of the amenities of the Affordable Care Act is federal tax credits, also known as subsidies. Subsidies are designed to lower the cost of health insurance for low and middle income individuals or families. Subsidies are primarily based on your household income per the number of people on your tax return. To determine if you are eligible for subsidy to help reduce your premium, you can generate a quote and estimate your subsidy.

For those who are not subsidy eligible, Short Term health insurance could potentially be a more affordable option. While these plans are not ACA-compliant, Short Term plans are now offered for up to 360 days of coverage while also offering an additional rider, Health Protector Guard, that will also enhance your benefits. For more information about these plans, generate your Short Term Insurance Quote.

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.

Happy Labor Day from NC Healthplans

Saturday, September 1st, 2018

NC Health Plans would like to wish you a happy, safe and enjoyable holiday weekend.  Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the social and economic achievements of American workers. It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country.

Since Americans have many definitions of work based on many different experiences, a day set aside to honor their work reflects those differences. Marching in a parade, going swimming, visiting friends, having a cookout, Americans honor the essence of Labor Day simply, by taking the day off.

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.

Learning about North Carolina Health Insurance

Thursday, August 16th, 2018

North Carolinians already know that we live in a wonderful and special place. It is not often that you can make a trip from the most beautiful mountain tops to the crystal clear waters of our coast in just a day. With North Carolina having so much to offer, it is not surprising that our population is growing, and more and more people are choosing North Carolina to call home.

Because the health Insurance industry is regulated partially at the state level, living in North Carolina can directly affect the health insurance that is available to you, and how and when you can apply. Whether you have deep roots or have just become a resident of “The Old North State”, these are some things that all North Carolinians should know about North Carolina Health Insurance:

What Types of Coverage are available to me in NC?
Residents of North Carolina have two major types of individual/family insurance available to them, Affordable Care Act (ACA) compliant, also referred to as “Obamacare”, and other alternatives like Short Term coverage. ACA-compliant plans are required to cover the same set of essential health benefits under the Affordable Care Act laws. Blue Cross Blue Shield of North Carolina offers the broad majority of these plans across the entire state. Short Term plans are not ACA compliant, but allow individuals and families to enroll outside of Open Enrollment Periods without a Qualifying Event. These plans do not cover pre-existing conditions, but are often more affordable than ACA compliant plans.

When Can I Apply?
The Open Enrollment Period is a yearly period when individuals and families can enroll in health insurance. Open enrollment for 2018 will begin on November 1st and last until December 15th. Open Enrollment is a very important time period because all individuals are eligible to enroll. If you miss Open Enrollment, you must qualify for a Special Enrollment Period. To qualify for Special Enrollment, you have to experience a Qualifying Life Event. Qualifiers such as getting married, having a baby or losing coverage provided by an employer could make you eligible to enroll during Special Enrollment, as long as you enroll within 60 days of the life altering event.

Is it Affordable?
One of the amenities of the Affordable Care Act is federal tax credits, also known as subsidies. Subsidies are designed to lower the cost of health insurance for low and middle income individuals or families. If you are eligible for a subsidy, it could greatly reduce the cost of your monthly premium. Generate a Blue Cross Blue Shield of NC health insurance quote to find out more about whether you are eligible for a subsidy.

At NC Health Plans/Jerry Ballard & Associates Inc., we love living in North Carolina and take pride in serving North Carolinians statewide. Our website allows you to generate quotes, shop for plans, and apply online at your convenience. If we can assist you in selecting a health insurance plan, please call us at 888-765-5400. We are North Carolinians serving North Carolinians!

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.

North Carolina Health Insurance when Turning 26

Wednesday, August 1st, 2018

If you were born in ‘92, we want to wish you a happy 26th birthday! Another trip around the sun is always something to celebrate and be thankful for, and we hope that this upcoming year is your best one yet! Adults in their mid-twenties find themselves in many different walks of life. Whether you have gotten married, had children, graduated, or simply having fun, there is something all 26 year-olds have in common. That is, that you’re aging out of your parents’ insurance plan!

Health Insurance shoppers at this age often call us with concern, saying, “I have never shopped for insurance before and don’t know what to do or where to start!” We realize that navigating this transition and the insurance market can be stressful and overwhelming.  However, it is not something to put on the back burner or avoid! Here are some helpful things you should know about applying for insurance:

  • You have 60 days!

Turning 26 and aging out of your parent’s health insurance plan is considered a Qualifying Life Event.  This qualifying event will provide you a 60 day window outside the Open Enrollment Period to enroll in a new plan.  Make sure you know when this starts and stops in order to avoid any lapse in coverage.

  • You can save money!

Based on your household income, you may be eligible for a federal subsidy which can greatly reduce the cost of your monthly premiums. Generate a Blue Cross Blue Shield of NC health insurance quote to find out more about whether you are eligible for a subsidy.

  • Don’t go uninsured!

Did you know that under the health care law, you must have qualifying health coverage? Without it, you may face a penalty on your next tax return. In addition, it is important to have protection and quality coverage to maintain your health, or in case of sickness or an accident!

  • Don’t stress! It’s easier than you think!

This process can seem overwhelming. However, it is easier than you think. We are here to help you through the entire application process right over the phone, and it only takes about 25 minutes to apply for health insurance!

As you are thinking about your 26th birthday celebration, remember your health insurance – and don’t let those 60 days slip away! Here’s to many more years of health and happiness!

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.

Happy July 4th from NC Health Plans

Thursday, June 29th, 2017

NC Health Plans wishes you a Happy Independence Day.  July 4th has always been one of my favorite holidays. Because freedom is something to savor. To enjoy. To celebrate. But most of all to appreciate.

Never should we take the precious freedoms we daily enjoy for granted. Freedom was not cheap. Freedom was a dream purchased with the blood of our forbearers.

One of the most enjoyable and exciting ways to celebrate our nation’s independence is to set off some fireworks. This 4th of July, it’s important to remember that fireworks can be dangerous. They can cause burns and eye injuries in both children and adults, as well as more serious injuries. Of course, the best way to protect your family is not to use any fireworks at home and take your family to your local public fireworks display and leave the show to the professionals.

So today, as we celebrate with parades, BBQ and fireworks. Let’s remember and be thankful. God Bless America, and may we continue to be the shining example of freedom.

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.

2018 Plans and Rates with Blue Cross Blue Shield of NC

Wednesday, June 28th, 2017

As controversy and debate continue in Washington over the future of the healthcare system, Blue Cross Blue Shield of NC is planning for 2018.  In late May, Blue Cross filed 2018 plans and rates with the North Carolina Department of Insurance.  Insurance rates were filed for health insurance plans in all 100 counties of North Carolina for an average rate increase of 22.9%.  The Director of Actuarial and Pricing Services at BCBSNC wrote an article explaining these rate increases.

BCBSNC has also been very clear that while filing for rates and health plans in all 100 North Carolina counties for 2018, many uncertainties continue.  The health insurance industry still expects significant change. However, the makeup and impact of this change is not known.  The timeframe and timeline of this change is also unknown.  These unknowns make preparation for the coming year very difficult for the insurance companies.  There are tremendous amounts of laws, regulations, and factors that are currently being discussed in Washington which directly impact the plans and rates of health insurance in North Carolina.

These unknowns also make preparation very difficult for the thousands of customers that depend on Individual and family health insurance plans in NC.  Blue Cross NC currently has over 500,000 customers enrolled in Individual ACA plans.  These rates, however, will impact this group differently.  The customers receiving a subsidy through the Health Insurance Marketplace will likely be less impacted if these plans and rates are approved.  The customers that do not receive any subsidy will likely be most impacted by these changes.

Despite the potential future changes, our commitment to North Carolinians will not change.  We are committed to providing North Carolinians with updates, advice, and the guidance needed to navigate this unique health insurance market.  We feel people need straight forward advice on the impacts of the health insurance industry changes now more than ever.

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.

Final Weeks of Open Enrollment 2017 – BCBSNC Plans Available

Tuesday, January 17th, 2017

Last Chance And Last Minute With Clock Signs, Blue And Red DrawnWe are now in the final weeks of Open Enrollment 2017 and if you still have not enrolled your Blue Cross Blue Shield of North Carolina health plan, now is the time to get covered!  Keep in mind, however, that you must submit an application by January 31st to have coverage beginning March 1st.  If you miss the deadline, you may not be able to enroll in health insurance until the next Open Enrollment.

Under the law of the Affordable Care Act (Obamacare), you are required to maintain qualified health insurance or possibly incur a tax penalty.  This is known as the individual mandate.  For 2017, the tax penalty is $695 per person or 2.5% of your income, whichever is higher.  In addition, if you do not have health insurance, you will be responsible for the costs of all health care you use over the course of the year.

Blue Cross Blue Shield NC offers qualified health plans in all 100 counties in North Carolina and plans are available both on and off the Marketplace.  Based on your income and the number of people in your household, you may qualify for a premium tax credit (federal subsidy) to help reduce the cost of your plan.  In addition, you could qualify for reduced copayments and deductibles.  For people under the age of 30, Catastrophic plans are available and these plans typically have a lower monthly premium.

At NC Health plans, we are committed to helping our customers choose and enroll the BCBSNC health plan that best suits your needs at a price that fits your budget.  We can help you determine subsidy eligibility, discuss plan options and walk you through the enrollment process.  We can help you submit your application online or directly over the phone in a few short minutes.

Don’t let 2017 come and go without securing the health coverage you need. 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.

Only 2 Days left to Enroll BCBSNC Health Insurance for February 1st!

Friday, January 13th, 2017

Deadline Concept ClockThe 2017 Open Enrollment period for health insurance is still in effect and if you missed enrolling your plan for January 1st, there is still time!  You have 2 days left to submit an application and have your 2017 BCBSNC health insurance plan effective February 1st.  Whether you are enrolling your plan on the Marketplace and applying for a federal subsidy or off the Marketplace with no subsidy, NC Health Plans is here to help.  We offer a secure, simple application process that can be completed online or over the phone in a few short minutes.

Blue Cross Blue Shield NC is a trusted name in NC health insurance and the only insurance company offering 2017 qualified ACA-approved health plans in all 100 counties in North Carolina.  If you were enrolled in a United Healthcare or Aetna plan last year that ended on December 31st, you still have time to choose the Blue Cross Blue Shield of North Carolina plan that best suits your needs and your budget.

Keep in mind that the application deadline is fast-approaching.  In order for your new health plan to be effective February 1st, you must submit your application by midnight January 15th.  If you miss the January 15th application deadline, your plan cannot be effective until March 1st (some exceptions apply).  Don’t miss this important deadline.  Enroll your 2017 health today!

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.

Can’t Afford Obamacare? – Private Health Insurance Plans Are Available

Friday, December 30th, 2016

people, business, finances and money concept - close up of businDue to the rising cost of health insurance premiums and stricter guidelines surrounding enrollment periods, many people are turning to non-compliant private health insurance as a long-term solution. These plans are referred to as Short Term or Temporary Health Insurance plans, but many can be issued for a longer policy period. Because these private health plans are not subject to the laws of the ACA, they are less-expensive and can be purchased outside of the annual Open Enrollment period.  For individuals and families who have either missed Open Enrollment or who simply cannot afford an ACA-approved Qualified Health Plan, private health insurance coverage is a viable option. (more…)

Will Presidential Election Results Affect Obamacare?

Thursday, November 10th, 2016

Election Results 2016 ConceptThe Presidential election is officially over and Donald Trump has won, which may leave many Americans wondering what, if anything, will happen to the Affordable Care Act/Obamacare.  Although Mr. Trump suggested during his presidential campaign that he would push for changes in the ACA, those changes will likely not be immediate and will certainly take time to implement.

Open Enrollment 2017 is now in full swing and it’s important to remember that as of today, nothing has changed in regards to health insurance.  ACA/Obamacare plans are still available through BCBSNC in all 100 counties in North Carolina and now is the time to enroll!

For now and in the near future, the Affordable Care Act is the law of the land and Americans are still required to maintain health coverage or face a federal tax penalty.  Keep in mind that the tax penalty for 2017 is $695 per person or 2.5% of your income, whichever is higher, so there is a high cost to being uninsured.  Despite substantial losses, Blue Cross Blue Shield of North Carolina has chosen this year to continue participation in the ACA within North Carolina and is working diligently to provide ACA-compliant, quality health plans to the residents of NC.

Whether you need to make a change to your existing coverage or enroll in a health plan for the first time, at NC Health Plans we are here to help.  We can assist you in estimating subsidy eligibility and offer an online or over-the-phone application process for individuals enrolling through the health insurance Marketplace.  Don’t let another year pass without enrolling the health coverage you need for you and your family.

At NC Health Plans, we understand that your time is as valuable as your health and we work hard to help our customers enjoy the best possible enrollment experience.  For your free rate quote visit www.nchealthplans.com, call 888-765-5400, or click the button below.