888-765-5400CHILD ONLY COVERAGE THROUGH BCBSNC
CAN YOU PURCHASE A “CHILD ONLY” POLICY?
As an agency, we receive many calls each day from parents who are looking to purchase private health insurance for their child and/or children. Circumstances could vary from removing a dependent off an employee group health insurance policy to saving money in premium, a child reaching maturity, a new birth, marriage and an array of different circumstances. The answer is YES… Blue Cross Blue Shield of North Carolina (BCBSNC) provides health insurance beginning at birth. To apply for private insurance for your child click here and complete the form with all information and we will immediately send you an email with the quote and on-line application for Blue Advantage. The good news, child only policies are affordable and provide excellent insurance coverage. You can select from a variety of coverage that works in your budget, 100%, 80% or 70% plans. With Blue Advantage, Plan A, you pay just a $15.00 co-payment to visit your primary care physician and only $30.00 to see a specialist, neither are subject to the deductible or co-insurance. Prescription drug benefits are available under these Blue Advantage plans with only a $10.00 co-payment for generic drugs, $35.00 for preferred and $50.00 for non-preferred and 25% co-insurance for specialty drugs. Plan B and C require a deductible before prescription co-payments begin, Plan A does not.
Another common question, this coverage is for my child but I will be the one paying for it, is that possible? Yes, it is……… When completing the payment section of your application, upon approval, it will ask if the billing address is different from the mailing address and you simply check yes. Often times, the child could be away at college, but the parent or grandparent wants the bill so they can make payment. The payment section can have any checking account or credit card number even though the coverage is not for them.
What if my child travels out of state, is their coverage still in full force and effect? Yes, Blue Cross Blue Shield of North Carolina of NC has reciprocal agreements with Blue Cross in other states, just make sure they go to a participating provider within the area they are visiting. They can also call the toll free number on their Blue Card for more information. Also, you can access a provider list by visiting our website at www.nchealthplans.com.
You can feel secure knowing your child will have the best and most affordable plan of insurance offered through our agency. We take tremendous pride offering coverage such as Blue Advantage through Blue Cross Blue Shield of North Carolina, a company you can trust and through an agency you can count on.
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.