Affordable_Care_Act_NC_Life_Insurance

We Take the Steps with You to Preserve Your Future

The massive insurance marketplace is daunting even for the most knowledgeable. We’re here to answer your questions, explain insurance terminology, and help you enroll in what feels best for you.

Individual and Family Health Insurance

Click HERE for a Health Quote

There are numerous options for medical insurance coverage with preventive care covered at 100%, no deductible. Do you prefer a more comprehensive coverage, or are you willing to pay for the small things yourself?

Group Plans

Click HERE for an Employee Census Template for a Customized Quote for your Group 

The group medical plan is usually the employer benefit that causes the most frustration. We help companies design a benefit package that may include a combination of plans-medical, dental, vision, life, disability, and/or long-term care insurance. We also assist with retirement plans and executive specialty benefits that align with company goals.

Dental Insurance

Click HERE for Dental Quote

There’s usually nothing catastrophic in your mouth. At the same time, if you like free cleanings and checkups, and assistance for more major issues, dental insurance is inexpensive.

Vision Plans

Click HERE for a Vision Quote

We offer easy access to affordable Individual Vision Plans from VSP® Vision Care. Here are some reasons to enroll: Lowest Out-of-Pocket Cost, Convenient Locations, Great Selection in Eyewear and Satisfaction Guaranteed. Call us for help choosing which plan is right for you; they both provide great value for everyone.

Short-Term Plans 

Click HERE for a Short-Term Quote

(For quote: Broker ID is 1984889 and then select 'I'm a Customer')

Short-term Plans can help bridge the gap in coverage if you missed the open enrollment period or are waiting for other coverage to begin; are between jobs, retired early or just graduated from college. However, these plans are underwritten and do not cover pre-existing conditions or wellness.

Supplemental Plans

Supplemental plans like accident, critical illness, cancer and hospital indemnity can protect you from high health insurance deductibles and lost wages from missing work. Lump sum payments are made directly to you. Health Insurance helps offset the high cost of hospitalization, but it doesn’t cover all out-of-pocket medical bills , let alone personal expenses like your rent , mortgage, your car payment or your groceries.

Life Insurance

Life insurance provides money to handle personal or business situations that are left behind. But life insurance can be designed to provide benefits while living too. Are you interested in tax-free income?

Long-term Care Insurance

Do you have a financial plan for costs associated with home health care? If you or a loved one ever needed to stay in an assisted living facility, how would you pay that extra expense-- anywhere from $3000 to $9000 per month for the facility and meals.

Retirement Plans

Your retirement may be years away or nearby. In either scenario, your plan is continually tailored to fit your situation as well as your risk tolerance.  As life happens, circumstances change, and needs change.

Blue Medicare Supplement SM from Blue Cross and Blue Shield
of North Carolina

For North Carolina Beneficiaries Enrolled in Both Medicare Part A and Part B
Original Medicare only covers some of your medical costs. That’s why Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers reliable Medicare Supplement plans to help lessen the worries over what Medicare doesn’t cover. Choose from a variety of Blue Medicare Supplement plans to find the plan that best fits your needs and your budget.

With Blue Medicare Supplement, You’ll Enjoy:

• Coverage for the costs not covered by Original Medicare (Parts A and B)
• The freedom to see any Medicare-participating provider nationwide
• Rates as low as $38*
• Flexibility to change plans
• A healthy aging and exercise program
• A program for significant savings on hearing aids

Footnote: *Example for a female non-smoker, age 65. Premium rates can vary based on a number of factors. Contact Blue Cross NC or your authorized agent to learn more.

Supplement Plans from Blue Cross NC: Discover the Benefit of BlueSM
Blue Medicare Supplement plans provide savings and peace of mind for more than [234,000] North Carolinians across our state.* As North Carolina’s preferred health insurer,** peopledepend on Blue Cross NC's large network of providers and [87] years of experience to provide the knowledge and expertise they need, right in their own backyard.

Footnotes: *[234,000]; Blue Cross NC internal data for Medicare Advantage, MedicareSupplement and stand-alone Part D as of [October 2020]. ** Blue Cross NC Brand Tracking study; Ipsos; [July 2020].

Blue-to-BlueSM: Built-In Flexibility
All Blue Medicare Supplement plans feature the freedom to switch Medicare Supplement plans at specific times throughout the year. If your needs or budget change, simply change plans without having to answer additional health questions.*

Footnotes: *Members of plans sponsored by Blue Cross NC will be able to change to other plans available when they purchased their original plan. Certain limits apply.

Guaranteed Acceptance
You cannot be turned down for Blue Medicare Supplement, and may not have to complete a medical questionnaire, if you meet the following criteria:
• You are age 65 or older, or under age 65 and are eligible for Medicare due to disability*
• You enroll within six months of enrolling in Medicare Part B
• You are not covered by certain Medicaid programs
• You are a resident of North Carolina

Footnote: *Guaranteed acceptance is limited to Plan A for those under age 65 who have Medicare due to disability.

No Waiting Periods
If you enroll early, you may be eligible for a Medicare Supplement plan without waiting periods for pre-existing conditions. If you wait until after your deadline to enroll, you may have a waiting period for pre-existing conditions.

Stay Healthy With Silver&Fit®
Most Blue Medicare Supplement plans include our healthy aging and exercise program, Silver&Fit. Enjoy a low-cost fitness membership at a fitness facility near you, or enroll in the Home Fitness Program and exercise in the comfort of your own home.*

Disclaimer: *The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). The program is not part of a member’s policy or benefits, and is not available on our Plan G-HD. All programs and services are not available in all areas. Please make sure to talk to a doctor before starting or changing an exercise routine. Silver&Fit, Fit at Home and the Silver&Fit logo are trademarks of ASH. Other names or logos may be trademarks of their respective owners. Home kits are subject to change. Not all YMCAs participate in the network. ASH does not offer Blue Cross NC products or services. Not connected with or endorsed by the U.S. government or the federal Medicare program.

TruHearing Program®
TruHearing covers one hearing aid per ear per year for a low copay of $699 per TruHearing Advanced hearing aid or $999 per TruHearing Premium hearing aid. Also, as part of the program, a TruHearing provider will help you choose the best hearing aid for your lifestyle and
unique hearing needs.*

Disclaimer: *TruHearing is a registered trademark of TruHearing, Inc. TruHearing is an independent company and does not offer Blue Cross NC products or services. This program may change or be discontinued at any time.

Ready to Get Started? Learn More About Blue Medicare Supplement
• Compare plan benefits
• Get a free rate quote
• View the Blue Medicare Supplement Outline of Coverage brochure

We represent most major carriers in North Carolina.

Notes:
• For costs and further details of the coverage, including exclusions, any reductions or
limitations, and terms under which the policy may be continued in force, contact your agent
or the company.
• Plan A: BMS A, 12/18; Plan G: BMS G, 12/18; Plan G-HD: BMS HDG, 12/18;
Plan K: BMS K, 12/18; Plan N: BMS N, 12/18.
• NC Insurance Advisors Inc is an independent authorized Agency licensed to sell and promote
products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content
contained in this site is maintained by NC Insurance Advisors. Neither Blue Cross NC nor its agents
are connected with or endorsed by the U.S. government or the federal Medicare program.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) provides free aids to service
people with disabilities as well as free language services for people whose primary language is
not English. Please contact 1-800-478-0583 (TTY: 711) for assistance.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) proporciona asistencia gratuita a
las personas con discapacidades, así como servicios lingüísticos gratuitos para las personas
cuyo idioma principal no es el inglés. Llame al 1-800-478-0583 (TTY: 711) para obtener ayuda.

Caution: Policy benefits are limited to those approved by Medicare for payment.

BLUE CROSS®, BLUE SHIELD®, the Cross and Shield symbols, and service marks are marks of
the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue
Shield plans. All other trade names are property of their respective owners. Blue Cross NC an
independent licensee of the Blue Cross and Blue Shield Association. U4093, 2/21