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What do you want to do?Are you eligible for financial assistance?Did you know that 4 out of 5 people can get a plan for $10 or less? Many also qualify for a plan as low as $0 per month. People can apply for a discount called a subsidy (tax credit). This helps to offset a health plan’s monthly cost. Check the FPL chart to see if you qualify for financial assistance. Available plansOur plans are available in three metallic levels: Bronze, Silver and Gold. These levels were created to show the level of coverage within a plan. The plans vary by how much medical costs you will pay on average. The per month cost of these plans will vary depending on how much financial assistance you qualify for. Which plan is right for you?The power of BlueThere are so many benefits to buying a BlueCross BlueShield of South Carolina plan.Accepted by the most doctors and hospitals in the state#1 health plan in South Carolina
Rewards for wellness activitiesAward-winning customer service100 percent coverage of preventive servicesNo referrals to see a specialistLocate a Store Meet in the store, virtually or over the phone with a South Carolina BLUESM retail center expert. Schedule an appointment*Rewards can only be used towards copays, coinsurance and out-of-pocket expenses for individual and family members to use towards covered medical services. Excludes pharmacy. Attention: This website is operated by BlueCross BlueShield of South Carolina and is not the Health Insurance Marketplace website at HealthCare.gov. This website does not display all qualified health plans (QHPs) available through HealthCare.gov. To see all available QHP options, go to the Health Insurance Marketplace website at HealthCare.gov. Serving Maryland, the District of Columbia and portions of Virginia, CareFirst BlueCross BlueShield is the shared business name of CareFirst of Maryland, Inc. Group Hospitalization and Medical Services, Inc., and First Care, Inc. CareFirst BlueCross BlueShield Medicare Advantage is the shared business name of CareFirst Advantage, Inc., CareFirst Advantage PPO, Inc. and CareFirst Advantage DSNP, Inc. CareFirst BlueCross BlueShield Community Health Plan Maryland is the business name of CareFirst Community Partners, Inc. CareFirst BlueCross BlueShield Community Health Plan District of Columbia is the business name of Trusted Health Plan (District of Columbia), Inc. In the District of Columbia and Maryland, CareFirst MedPlus is the business name of First Care, Inc. In Virginia, CareFirst BlueCross BlueShield, CareFirst MedPlus, and CareFirst Diversified Benefits are the business names of First Care, Inc. of Maryland (used in VA by: First Care, Inc.). The aforementioned legal entities (excepting First Care, Inc. of Maryland), CareFirst BlueChoice, Inc., and The Dental Network, Inc., are independent licensees of the Blue Cross and Blue Shield Association. BLUE CROSS®, BLUE SHIELD® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. CareFirst of Maryland, Inc. CareFirst Community Partners, Inc. and The Dental Network, Inc. underwrite products in Maryland only. “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC. Health Plans for Individuals and FamiliesGet health care coverage that checks all the boxes. Find a Plan *Le estamos enviando a HealthSherpa para comprar su plan de seguro médico de Blue Cross and Blue Shield of North Carolina (Blue Cross NC). HealthSherpa es un vendedor certificado por los Centros de Servicios de Medicare y Medicaid (CMS, en inglés) que Blue Cross NC ha seleccionado para facilitar el proceso de inscripción. Tenga en cuenta que estará saliendo de BlueCrossNC.com y el sitio web de Blue Cross NC. HealthSherpa se hace responsable por el sitio al cual le estamos enviando, incluidas las políticas de privacidad que gobiernan el sitio. or Resume an application Choose Wisely. Choose Blue℠.Benefits of buying a Blue Cross and Blue Shield of North Carolina (Blue Cross NC) health plan include:100% preventive care coverage including annual wellness visits1 Health and well-being programs like telehealth No referrals needed to see a specialist 3 free primary care provider visits and 3 free mental health visits2 Maternity, newborn and pediatric care Online tools to help you find doctors, compare costs — and more DID YOU KNOW?More than half of our members with a subsidy paid $0 per month in 2021!Source: Internal Blue Cross NC data, 2021. Get a Free Rate Quote ACA 101: How It All WorksHow to Shop for a Health PlanWhen you’re shopping for a health plan, here are some things to think about: SubsidiesTo help make health insurance more affordable, the federal government offers financial help, also called subsidies, to individuals and families who qualify based on their income and household size. There are two types of subsidies available: Advanced Premium Tax Credit (APTC) and Cost Sharing Reductions (CSRs). To qualify for a subsidy under health care reform, you must:
Use this online calculator to estimate the subsidy amount you could potentially qualify for from the federal government. Subsidy Calculator Get a Free Rate Quote ACA 101: Subsidies and Cost Sharing ReductionsWatch Video NetworkEach Blue Cross NC health plan has its own network of covered health care providers. The larger the network, the more in-network options you have for doctors, hospitals and other facilities. But plans with a larger network typically have a higher monthly premium. Plans with a health system-specific network are often less expensive and help you get coordinated care, but usually only the doctors and facilities of one major health system are in-network. So, it’s important to weigh access versus cost when choosing your plan. While we also offer out-of-network coverage, you can save the most money by only seeing providers that are in your plan’s network. In the next section, you’ll see the health plans available in your county. Use the Find an In-Network Doctor button to look up providers and hospitals that are covered by that plan’s network. Health Plan OptionsWe have new lower-cost plans for 2022. Enter your county to see which health plans are available in your area: Prescription CoverageOur Affordable Care Act (ACA) plans use the same formulary (a list of covered medications) and pharmacy network. Use the Find a Drug button to see which medicines are covered and which tier they fall into. Tier 1 is often the least expensive, while Tiers 5 and 6 are the highest-cost. Use the Find a Pharmacy button to search for in-network pharmacies. ACA 101: Plans and BenefitsWatch Video Copayments, Deductibles and CoinsuranceWhen shopping for your health plan, you’ll choose between two types: Copayment plans and deductible/coinsurance plans. The type you select affects how you’ll pay for care at the doctor, pharmacy or hospital. CopaymentsA copayment is a fixed dollar amount you pay for a covered service at the time you receive it. For example, you may have a plan that charges a $20 copay for an in-network doctor visit. All you’ll need to pay is your $20 copay. Plans with copays tend to be more expensive. But, you’ll know the cost of the visit before you go. DeductiblesA deductible is the amount you owe for covered health care before your health insurance company starts to pay. For example, let’s say you have a $3,000 deductible and you’ve paid $2,000 toward it. You just had an MRI that costs $1,500. You’ll have to pay $1,000 to reach your deductible. After that, you’ll only pay part of the remaining $500 based on your coinsurance percentage. If your plan has an integrated deductible that means your medical costs and pharmacy costs both apply toward the same deductible and out-of-pocket maximum. CoinsuranceCoinsurance is your share of costs for health care expenses based on a percentage of those costs. After you’ve met your deductible, you may be charged coinsurance for health care services. The cost of the service will be split between you and your insurance company. So, if you get a $100 bill for a chest X-ray and you have a 30% coinsurance amount, you’ll need to pay $30, and your insurance company will pay the rest. Get a Free Rate Quote ACA 101: Copayments, Deductibles and CoinsuranceWatch Video Metallic LevelsOur ACA health plans are available in three metallic levels: Bronze, Silver and Gold. These levels were created by the ACA to show the value of coverage within a plan. They vary by how much of your medical costs a plan will pay on average. This can help you easily compare plans. Bronze plans pay 60% of medical costs on average, and you pay 40%.3 Good if you want protection from worst-case medical scenarios, like serious sickness or injury. While the monthly premium is lower, you’ll have to pay for most routine care yourself. Silver plans pay 70% of medical costs on average, and you pay 30%.3 Good if you are willing to pay a higher monthly premium than Bronze to have more of your routine care covered. Gold plans pay 80% of medical costs on average, and you pay 20%.3 Good if you use a lot of care and are willing to pay more in monthly premiums to have more costs covered when you get medical treatment. Health and Well-BeingAs a Blue Cross NC member, you’ll enjoy benefits and programs that can help you improve your health and feel your best. Telehealth24/7 telehealth care options for behavioral and physical health (available in English and Spanish).4 Blue365®Grab discounts on products tied to fitness, personal care, healthy eating, wellness, financial health, lifestyle and more.5 SupportGet access to programs to help you control type 2 diabetes and quit smoking.6 ACA 101: Vision and DentalWatch Video Catastrophic Health PlansAre you under 30 or qualify for a hardship through the federal government? You may be eligible for catastrophic coverage.7 These plans have a high deductible, but your monthly payments will be lower than most other plans. Benefits include:
Which health insurance is best for single person?Best Individual Health Insurance. Cigna. More Details. # of Healthcare Providers. 875k+ ... . Aetna. More Details. # of Healthcare Providers. 700k+ ... . UnitedHealthcare. More Details. # of Healthcare Providers. 855k+ ... . Blue Cross Blue Shield. More Details. # of Healthcare Providers. 28k+ ... . Kaiser Permanente. More Details. # of Healthcare Providers.. How much is health insurance in NC a month?How much does health insurance cost in North Carolina?. |