Are you a small business owner?  Or, perhaps your company is opening a new office in North Carolina and you are interested in providing your employees with group health insurance.  If so, consider a Blue Cross Blue Shield of North Carolina group health insurance plan.

Group health insurance is often less expensive than individual insurance and is a great way to give your employees a perk.   In addition, group insurance can help employers by providing certain tax benefits.  What an employer contributes towards the health insurance coverage of their employees is a deductible business expense and in some small group cases may even qualify for a tax credit.  In addition, employees can often pay for their share of group health premiums using pre-tax dollars.  Pre-tax treatment of employee contributions saves employee’s money and it reduces net taxable payroll.  These same tax benefits do not apply to individual health insurance.

If you are interested in providing group coverage to your employees, talk with one of our licensed and professional agents to discuss your options.  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.

If you are a new Blue Cross Blue Shield of North Carolina member , there are some basic ways you can begin managing your health insurance policy to maximize benefits and minimize out-of-pocket expenses.  Below are some helpful tips that will help you make your new NC health insurance plan work for you. (more…)

Beginning in 2014, the Affordable Care Act includes a mandate for most individuals to have health insurance or potentially pay a penalty for noncompliance. Individuals will be required to maintain minimum essential coverage for themselves and their dependents. Some individuals will be exempt from the mandate or the penalty, while others may be given financial assistance to help them pay for the cost of health insurance.

What type of coverage satisfies the individual mandate?

“Minimum essential coverage”

What is minimum essential coverage?

Minimum essential coverage is defined as:
•Coverage under certain government-sponsored plans
•Employer-sponsored plans, with respect to any employee
•Plans in the individual market,
•Grandfathered health plans; and
•Any other health benefits coverage, such as a state health benefits risk pool, as
recognized by the HHS Secretary.

Minimum essential coverage does not include health insurance coverage consisting of excepted
benefits, such as dental-only 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 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.

School, homework, soccer practice, ballet, board meetings, meal planning, social events – the list goes on and on. The end of summer often means the beginning of a hectic fall, and now is the perfect time to ensure that healthy eating stays on top of your priority list.

A healthy lifestyle for the entire family can be easier than it seems – even for the busiest household. With a little planning, both parents and kids will find themselves prepared for those last-minute meals and snack attacks that may otherwise place them in front of the vending machine, or in the drive-thru line.  As parents are back to work, and kids are back to school, it is even more important than ever to be armed with functional foods that will keep you fueled and feeling satisfied.  Planning ahead for snacks and meals that are both nutritious and delicious is the key to success. Preparing nutritious snacks and meals on a tight schedule is all about being creative, so finding the right go-to foods the whole family will enjoy is important.   Here are a few tips that you may find useful during these hectic times, especially with the holidays just around the corner.

(more…)

Health care reform became a reality when President Obama signed into law the Patient Protection and Affordable Care Act (PPACA) on March 23rd, 2010. A reconciliation bill, which made changes to PPACA, was signed into law one week later.

Health care reform will extend access to millions of people who need health insurance. It’s a historic step in the right direction. But there’s still a lot of work to do to give Americans a health care system that they can both depend on and afford.

In keeping with the needs of North Carolinians, Blue Cross and Blue Shield of North Carolina is preparing for the many changes the new law requires. However, because it’s more than 2,000 pages long, there’s a process to “translate” legislative language to best serve our customers. Federal regulations will also be required to implement many aspects of the law. When those regulations will be finalized is uncertain. (more…)

Pre-Existing Conditions

A pre-existing condition is a medical condition diagnosed or treated before joining a new plan. In the past, health care given for a pre-existing condition often has not been covered for someone who joins a new plan until after a waiting period.

Under the law, most of which goes into effect on July 1, 1997, a pre-existing condition will be covered without a waiting period when you join a new group plan if you have been insured the previous 12 months. This means that if you remain insured for 12 months or more, you will be able to go from one job to another, and your pre-existing condition will be covered. without additional waiting periods. even if you have a chronic illness.If you have a pre-existing condition and have not been insured the previous 12 months before joining a new plan, the longest you will have to wait before you are covered for that condition is 12 months.

To find out how this new law affects you, check with either your employer benefits office or your health plan.

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.

BCBSNC DentalBlue is loaded with popular dental benefits your family needs:

Go to any dentist you choose. There are no “in network” limitations. Coverage for routine check-ups, diagnostic or preventive services. Comprehensive coverage for everything from teeth cleaning to extractions, crowns, bridges, and dentures.

(more…)