888-765-5400Why Blue is Best – Get Your Subsidized BCBSNC health plan
Perhaps like so many Americans, you still have questions about the Affordable Care Act and what constitutes an ACA approved health plan. One common misconception is that the federal government has created its own individual health policies, sometimes referred to as Obamacare plans, but that is not the purpose of the Affordable Care Act. The Affordable Care Act is a federal program designed to ensure that 10 essential health benefits are a part of every ACA approved insurance plan and to help subsidize the cost of health insurance for those who qualify. Subsidy qualifications are based entirely on income and the number of people per household and insurance companies do not regulate or control federal subsidies.
Basically, what this means is that consumers can still purchase ACA approved plans, or plans that include the 10 essential health benefits, and they can do so without ever visiting the federal government’s health care Marketplace. In fact, if you do not qualify for a federal subsidy based on your income level, the application process is really quite simple. You can apply for an ACA approved BCBSNC health plan in just a few short minutes.
If you do qualify for a federal subsidy based on income level, you will still begin the application process right here, but you will be redirected to the federal Marketplace when it comes time to apply for the subsidy that will be credited to your BCBSNC plan. Once you have completed your application for subsidy, you may see plans available to you other than Blue Cross Blue Shield of North Carolina because there are multiple companies with insurance plans available on the Marketplace; however, none can offer you and your family the same quality of coverage.
Blue Cross Blue Shield of North Carolina understands that as consumers you have choices, which is why BCBSNC is committed to offering plans that boast the broadest network of providers throughout the state of North Carolina. In fact, when you become a part of the Blue Advantage Network, you gain affordable access to over 90% of doctors and hospitals in the state. Even the more limited Blue Value and Blue Local Networks allow you many exceptional choices when it comes to your healthcare provider. Keep in mind, BCBSNC is the only insurance company that offers plans that are accepted in all 100 counties in North Carolina and because unlike other companies offering plans on the Marketplace BCBSNC is not an HMO, you will still have out of network coverage should you happen to need it.
Furthermore, Blue Cross Blue Shield of North Carolina is so committed to your health and wellness that included in every plan is preventive care covered at 100%. And if you have a plan that includes co-payments, whatever is coded as part of that doctor’s visit on that particular day will be covered by the appropriate co-payment. That means you have the confidence of knowing there are are no hidden costs. Make sure to view your plan’s summary of benefits and coverages for a complete list of covered health services.
Purchasing insurance may be a bit more complicated these days, but with BCBSNC you can still have the assurance of knowing you are getting the best health coverage available to you and the ones you love.
For more information on Blue Cross Blue Shield of North Carolina health insurance coverage, the Marketplace and healthcare gov to apply for your subsidy, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents. Let us help you navigate through the Health Care Reform changes in accordance with the new regulations of The Affordable Care Act, also known as Obama care.