Facts

The impact of being uninsured*
• The uninsured have a 25 percent greater chance of
premature death.
• Nationally, there are 18,000 avoidable deaths annually among
the non-elderly due to lack of health insurance coverage.
• Uninsured women suffering from breast cancer have a 30-50
percent greater risk of death than those who are insured.
• Low-income uninsured.**
– 4.5 times more likely to have diabetes
– 30 percent more likely to have high blood pressure
– 50 percent more likely to have high cholesterol
– Almost twice as likely to have fair or poor health
Help for the “uninsurable”
• BCBSNC estimated in 2006 that a high-risk pool in North Carolina
could cover 9,000 “medically uninsurable” citizens, requiring
a subsidy of approximately $40 million a year.*
• North Carolina legislators are considering creating a state high-risk pool with premiums for eligible individuals capped at 175 percent of individual standard rates.**

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. 

BCBSNC data. 2006.
House Bill 265, 2007 Session of the N.C. General Assembly.
Institute of Medicine and the National Academy of Sciences, ”Covering the Uninsured: Being Uninsured Has Adverse Health Consequences.” Fact Sheet. N.C. Task Force on Covering the Uninsured. April 2006.
Behavioral Risk Factor Surveillance System Survey Data. Centers for Disease Control and
Prevention. 2003.

Most of us are shielded from the heavy burden of the full cost of medical procedures, treatments and drugs. That’s because employers spend, on average, five times more than employees do for healthcare.

From 2001 to 2002, premiums for employer-sponsored health insurance increased by an average of almost 13 percent nationwide. In this sluggish economy, businesses are struggling to pay for the steep increase in insurance premiums and some are asking employees to assume a greater responsibility.

Fortunately, there are simple things that we can all do to help keep healthcare affordable for everyone:

Discuss all treatment options with your doctors
Ask if a generic drug is available when you need prescription medicine
Carefully review your doctor and hospital bills and ask for explanations of charges that you don’t understand.

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.

          1. Take care of yourself: Don’t let a nagging problem get worse and end up in the emergency room. Your family doctor or other primary care provider is your best resource for non-emergency medical needs.

          2. Stay in network: Visiting in-network health care providers saves you out-of-pocket costs. Check out the online provider directory at www.bcbsnc.com/memberservices to see which doctors participate in our network and what deductible and coinsurance amounts may apply to your visit.

          3. Save money with generic drugs: Did you know that some generic drugs can cost 80 percent less than their name brand counterpart? Make a habit of asking your pharmacist if a generic option is available.

          4. Free and discounted customer benefits: Improve your health and save money by enrolling in Member Health PartnershipsSM1. These programs offer special tools and savings to help you lose weight, manage stress, quit tobacco and manage a host of other conditions. (more…)