888-765-5400BLUE CROSS BLUE SHIELD OF NC CATASTROPHIC PLANS
Catastrophic Plans provide minimum coverage at a lower price. They are High deductible plans; they provide Essential Health Benefits covered after deductible is met; Preventive care is covered at 100%; Primary care in-network office visits covered with a $35 copayment for the first 3 visits and you can save as much as 22% over the least expensive bronze plan. Click Here to generate your rate quote to compare these plans.
These plans have high deductibles that you must meet before BCBSNC pays for Essential Health Benefits. They may be a good option if you do not expect to have many medical expenses.
To qualify for these plans, you must meet one of the following criteria to be eligible for a catastrophic plan. You must be under 30 years of age when the plan year begins or qualify for a hardship exemption through the federal government.
If you choose a catastrophic plan, you cannot use an advance premium tax credit (federal subsidy). If you do not qualify for or decide to forego a subsidy, you may save money with these plans.
The Essential Health Benefits that are covered include Ambulatory service;Emergency service;Hospitalization; Maternity and newborn care; Mental health and substance abuse services (including behavioral health);Prescription drugs;Rehabilitative and habilitative services and devices; Laboratory services;Preventive/wellness services and chronic disease management;Pediatric services, including dental and vision.
Catastrophic plans are not required to meet the metallic levels that other plans must meet. However, because BCBSNC is committed to quality coverage, the catastrophic plans do meet bronze level requirements.
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). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obama care. Call us for details.