Who Needs Life Insurance? Life insurance for every stage…
You’re married
You’re married with kids
You’re a single parent
You’re a stay-at-home parent
You have grown children
You’re retired
You’re a small business owner
You’re single
Laser eye surgery doesn’t have to be prohibitively expensive. Optic Blue provides BCBSNC members with discounts on corrective laser eye surgery and the LASIK procedure.
As an Optic Blue member you can choose from a large statewide network of trusted eye doctors. With Optic Blue there are no claims to file, just show your BCBSNC ID Card at the doctor’s office. You’ll pay one low fee that includes your consultations, the laser procedure, all follow up visits, and any future procedures for over/under correction.
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.
Optic Blue is a program sponsered by BCBSNC. The content of this post was reprinted from Blue Cross & Blue Sheild of North Carolina.
Blue Cross Blue Shield of North Carolina knows dietary supplements are an important part of your daily life. That’s why they offer BCBSNC members Vita Blue, our dietary supplement discount program.
Vita Blue gives you savings on a broad selection of vitamins, minerals and herbal supplements. They’ve teamed up with MotherNature.com a company known for quality, all-natural health and beauty products, to provide supplements for men, women, seniors, children and pets. With Vita Blue, you’ll find the right supplements for everyone in your family.
You’ll be able to choose from over 100 different supplements at about 40 percent off the average drug store, retail and mail-order prices. When you order select products, you’ll also receive 50 percent off the second bottle of the same supplement. So, the more you order, the more you save! Plus, you pay no standard shipping costs on orders of $49 or more.
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.
Vita Blue is a program sponsered by BCBSNC. The content of the post was reprinted from Blue Cross & Blue Sheild of North Carolina.
No one knows what tomorrow will bring, however term life insurance can provide you the peace of mind that those left behind will be able to take care of themselves financially without your presence.
Term Life Insurance can provide you with large dollar amounts of death benefit at an affordable price. These policies are designed to give you protection for a guaranteed number of years with a guaranteed level premium. Many people buy term life insurance to cover mortgages, college tuition, replacement of income and any other financial obligations that have a set amount of time that they may be financially responsible. (more…)
Just because health insurance is not on “Ophra’s List of Favorite Things” does not mean you should not consider it as an important item for the holidays or anytime for that matter. Lets think about the people that have beautiful homes, nice cars, cell phones, computer games, beautiful clothes, but they don’t have health insurance for their families. What happens when sickness or tragedy comes knocking on your door, how do you protect your family from the financial disaster that comes when you don’t have health insurance?
Many people often ask us how the process for applying for health coverage begins and ends…
Requesting a Quote:
Applying for insurance with BCBSNC is a very simple process. It does not cost anything to apply and you will have the opportunity to review your final rate before accepting a plan and making payment. To apply for Blue Advantage, Blue Options HSA and Dental Blue, you must first request and receive a personalized quote. Simply click here to request your personal quote and apply today. Next, your request will be submitted and received by Jerry Ballard & Associates. We will process your request and send your personalized quote to you via email. The quote will be emailed from ratequote@bcbsnc.com. Once you receive the email, you will want to be sure and turn off pop-up blockers and make sure the email did not go to any spam files.
Receiving Your Quote:
In the body of the email, you will see a link that says, View Your Rate Quote Here. Simply click on the link and your personalized quote will populate with all the Blue Cross Blue Shield of North Carolina plans and premiums you requested. A yellow apply button will appear to the right of each plan/premium. Click the yellow apply button to begin your online application process. Call our office (888-765-5400) so we can go over the plans with you and answer any questions about the benefits associated with these plans.
The Application:
The application itself takes 10-15 minutes to complete. You will create a user id and password that you will need to write down for future access into the application. You and other applicants will answer health questions pertaining to your health. In addition, you will enter any prior insurance coverage. Once submitted, the application will either be auto approved or submitted for further underwriting with BCBSNC.
Auto-Approved:
This simply means that your application received a final rate automatically. You will see this final rate at the end of the application. If you are in exceptionally good health and fall within the Preferred Plus guidelines set out by BCBSNC, you may qualify for a 15% healthy discount in your monthly premium. Many people will receive the preferred quoted rate. Some based on their individual health, could receive a rate increase.
Underwriting Review:
Blue Cross Blue Shield may require further information from you such as a telephone interview, a paramedical exam, or medical records. Our customer service representative and BCBSNC will contact you if this is required. All of these are processed with no cost to you. A telephone interview involves a phone conversation between the underwriting interviewer and the applicant confirming information on the application. The paramedical exam is a small physical exam that is performed by a nurse at your convenience at your home or work. An analysis of height, weight, blood pressure, blood work and urinalysis could be a part of the paramedical exam. Medical records may be requested from one of your health care providers. We recommend that you call that provider and let them know to be expecting this request so that they can process it in a timely manner.
Final Approval after Underwriting:
Once your final rate is approved, BCBSNC and our office will contact you to resume your application (with the user id and password you created), view your quote, accept and make payment. Once you open up the application, you will view the final rate for the plan that you applied for with BCBSNC. Before accepting this plan, you have the options to change to any plan that BCBSNC offers to you. For example, if you applied for Plan A 80% coinsurance with $2500 deductible, you can click on “Lower Cost Options” or “All Available Plans” and switch to any of those plans. This allows for more decision making based on the final rate and gives the applicant more choices.
Making payment:
There are 2 payment options for Blue Advantage and Blue Options HSA. Bank Draft or Direct Bill. We encourage Bank Draft because it is convenient and you never have to worry about a lost bill in the mail. On-going Bank Drafts occur on the 2nd of each month for 1st of the month effective dates and the 12th of the month of 15th of the month effective dates. Initial Bank Draft payments for any effective date will occur on the 2nd of the month that the policy becomes effective. Direct Bill, requires an initial payment to be made by credit card online. The credit card will be processed for payment on the day it is entered. You will receive subsequent bills by mail each month with a due date of the 1st (for effective dates on the 1st) or the 15th (for effective dates on the 15th).
Benefits Booklets and ID Cards:
These are mailed to the address you provided on your application within 10 business days. On the 2nd page of the booklet, you will find your id cards.
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.
Group health insurance plans, such as Blue Options PPO, differ from individual/family health insurance plans, such as the Blue Advantage plan, in several ways. First of all, they are most often sponsored by an employer, who in NC, must contribute at least 50% of the cost of the employee portion of the premium. Groups must also have at least 75% of their eligible employees (full time working 30 hours or more per week) participating on the plan, less anyone who is on another group plan. Blue Advantage can be applied for by any resident of North Carolina who is under 65 and who is not on Medicare or Medicaid – there are no participation requirements.
Preventive Health Care
What does it mean to be a responsible dog owner? For starters, it means getting a dog for the right reasons. Dogs are meant to be our companions and to share our lives with us. The right reasons to get a dog are to help him become all that he can be. To properly feed and exercise him. To spend quality time socializing and training him. But there are many wrong reasons to get a dog. Some of these include as a means of protection or to be a hobby breeder. When dogs are purchased as a means of protection, most people think this means keeping them away from other dogs and people to make them more protective. By doing this, your dog is not getting the socialization that he requires and as a result ends up fearful, aggressive, and destructive.
If you have a dog you, know how beneficial they are to your overall health. You may not realize it on a daily basis, but their steadfast companionship helps on those days you may be feeling stressed.
So if it is good for us to have the love of our furry friend, imagine the effects a dog can have on the elderly and ill. Studies are expanding our knowledge of pet therapy, and their benefits, by leaps and bounds. The following is a list of just some of the many benefits dogs can provide.
Like adults, children should be physically active most, if not all, days of the week.
Experts suggest at least 60 minutes of moderate physical activity daily for most children which could include walking fast, bicycling, jumping rope, dancing fast, and playing basketball. These are all good ways for your child to be active.
As children spend more time watching TV and playing computer and video games, they spend less time being active. Parents play a big role in helping kids get up and get moving.
WHY EXERCISE – WHY NOW?
Even if you’re losing weight on a diet, you should start an exercise regimen. Exercise is more important than you might think. The benefits of regular physical activity impact every aspect of your daily life.
Exercise helps with ease of movement, builds strong muscles, improves your posture, makes your joints more stable, decreases chronic pain and leads to better sleep patterns and emotional well-being.
888-765-5400