{"id":3793,"date":"2010-10-15T15:04:37","date_gmt":"2010-10-15T20:04:37","guid":{"rendered":"http:\/\/www.nchealthplans.com\/news\/?p=3793"},"modified":"2017-03-16T17:07:54","modified_gmt":"2017-03-16T21:07:54","slug":"basis-for-underwriting-decisions","status":"publish","type":"post","link":"https:\/\/www.nchealthplans.com\/news\/2010\/10\/basis-for-underwriting-decisions\/","title":{"rendered":"Basis for Underwriting Decisions"},"content":{"rendered":"<p><a href=\"https:\/\/www.nchealthplans.com\/news\/wp-content\/uploads\/2008\/11\/bigstockphoto_thinking_woman_3040811.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-2765\" title=\"bigstockphoto_thinking_woman_304081\" src=\"https:\/\/www.nchealthplans.com\/news\/wp-content\/uploads\/2008\/11\/bigstockphoto_thinking_woman_3040811-200x300.jpg\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/www.nchealthplans.com\/news\/wp-content\/uploads\/2008\/11\/bigstockphoto_thinking_woman_3040811-200x300.jpg 200w, https:\/\/www.nchealthplans.com\/news\/wp-content\/uploads\/2008\/11\/bigstockphoto_thinking_woman_3040811.jpg 600w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \><\/a>Applicants applying for <a href=\"http:\/\/www.nchealthplans.com\/faq\/blue_advantage_faq\/\" target=\"_blank\">Blue Advantage<\/a>, Blue Advantage Saver and <a href=\"http:\/\/www.nchealthplans.com\/faq\/hsa\/\" target=\"_blank\">Blue Options HSA<\/a>\u00a0coverage will be considered using any or all of the following:<\/p>\n<p>\u2022 Review of the application<\/p>\n<p>\u2022 Telephone interview with applicant, parent if child under 18 years of age and\/or legal guardian<\/p>\n<p>\u2022 Medical history obtained from attending physician<\/p>\n<p>\u2022 BCBSNC Medical Underwriting Guidelines<\/p>\n<p>\u2022 BCBSNC claims history, if available<\/p>\n<p><!--more-->Underwriting will be based on the severity of conditions as well as a combination of conditions. It will include lifestyle underwriting (e.g. smoking, alcohol use) and height\/weight guidelines.<\/p>\n<p>Adverse Underwriting Decisions<\/p>\n<p>An applicant has 90 business days from the date of the mailing of notice or other communication of an adverse underwriting decision to appeal. BCBSNC must furnish the applicant with a response within 21 days from the date of receipt of such written request.<\/p>\n<p>The information in this article is from the 2011 Product Guidelines for Blue Advantage and Blue Options HSA plans from Blue Cross Blue Shield of NC.<\/p>\n<p>For more information on <a href=\"http:\/\/www.nchealthplans.com\/\" target=\"_blank\">health insurance coverage in North Carolina<\/a>, please visit our website at <a href=\"http:\/\/www.nchealthplans.com\/\">www.nchealthplans.com<\/a> 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 <a href=\"http:\/\/www.nchealthplans.com\/\" target=\"_blank\">Blue Cross Blue Shield of North Carolina (BCBSNC). <\/a>You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Applicants applying for Blue Advantage, Blue Advantage Saver and Blue Options HSA\u00a0coverage will be considered using any or all of the following: \u2022 Review of the application \u2022 Telephone interview with applicant, parent if child under 18 years of age and\/or legal guardian \u2022 Medical history obtained from attending physician \u2022 BCBSNC Medical Underwriting Guidelines [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[506,11,114,10,507],"class_list":["post-3793","post","type-post","status-publish","format-standard","hentry","category-bcbsnc-insurance","tag-bcbs-underwriting","tag-blue-advantage","tag-blue-options-hsa","tag-bluecross-blueshield-of-north-carolina","tag-underwriting-guidelines"],"_links":{"self":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/3793","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/comments?post=3793"}],"version-history":[{"count":8,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/3793\/revisions"}],"predecessor-version":[{"id":8587,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/3793\/revisions\/8587"}],"wp:attachment":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/media?parent=3793"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/categories?post=3793"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/tags?post=3793"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}