888-765-5400The Plan That’s Right For Me?
There are three ways to go about purchasing insurance for yourself and for your small business: by going through the health care exchange,
contacting an insurer or speaking with a broker.
Health Insurance Exchanges:
You’ve probably heard about exchanges. The exchange is an online marketplace where various private insurance companies such as Blue Cross Blue Shield will offer their plans. To simplify the options that will be available on the exchange, and to give a basis for comparison, all plans will be classified according to four levels: bronze, silver, gold or platinum. Bronze plans will provide the least generous coverage, and platinum plans will provide the most generous coverage.
The exchange will enable people to:
• Review plans, compare prices and enroll all at once
• Find out if they are eligible for subsidies It’s important to know that the exchange is the only place to apply for subsidies. It will provide step-by-step instructions to guide you through the process.
Open enrollment on the exchange – the time period in which you will be able to enroll for your 2014 health insurance plan – begins Oct. 1, 2013. As mentioned earlier, you can also purchase insurance by contacting health insurance companies directly. Or, by speaking with an insurance broker. No doubt, there is a lot to take in, but we’re dedicated to helping you find an insurance plan that meets your needs and to keeping premiums as affordable as possible.
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.