We take the steps with you to preserve your future. The massive insurance marketplace is daunting even for the most educated. 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
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?
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.
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.
We offer easy access to affordable Individual Vision Plans from VSP® Vision Care. Here are some reasons to enroll:
- Lowest Out-of-pocket Cost – You’ll enjoy the lowest out-of-pocket cost in individual vision care, which could save you hundreds on your eye exam and glasses.
- Convenient Locations – With more than 36,000 network doctors, you’re sure to find a VSP doctor near you. Visit the “Find a Doctor” section on vsp.com to locate a VSP doctor near you.
- Great Selection in Eyewear – With the largest choice in frames, you’ll find the pair that’s right for you.
- Satisfaction Guaranteed – If you aren’t 100% satisfied, VSP will make it right.
With both of our comprehensive vision plans, you’ll get an eye exam and glasses every year. Call us for help choosing which plan is right for you; they both provide great value for everyone.
Plus, you’ll have access to more than $2,500 in additional savings with VSP Exclusive Member Extras including laser vision surgery, contact lenses, and up to 60% savings on hearing aids from TruHearing®.
We all pass away, and 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.
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.
Medicare Eligible Plans
Blue Medicare SupplementSM from Blue Cross and Blue Shield of North Carolina
For North Carolina beneficiaries enrolled in both Medicare Part A and Part B
Choose the plan that’s right for you
- See the doctor you want
- Value-added discounts
- Control of your care
Savings and peace of mind
Medicare only covers some of your medical costs. That’s why Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers dependable Medicare Supplement plans for Medicare beneficiaries, to help lessen the worries over costs that Medicare doesn’t cover. Choose from our 11 Blue Medicare Supplement plans to find the plan that best fits your needs and your budget.
- Wide selection of plans
- Protection against unexpected events
A local company you can trust
Blue Cross NC has over 80 years of experience in the health care industry and serves more than 257,0001 North Carolina Medicare beneficiaries.
- We’ve earned the trust of more North Carolinians than any other health insurer.2
See the doctor you want
No matter which Blue Medicare Supplement plan you choose, you’re free to select your own Medicare-participating doctor or visit any Medicare-participating hospital. In most cases, your Part A and Part B Medicare claims and supplement claims are handled automatically by Blue Cross NC.
- Choice of Medicare-participating doctors
- Easy to use, virtually no claims to file
Blue365® Discount Program
Enroll in a Blue Medicare Supplement plan and get savings on a variety of products and services that can help you live a more healthy and active lifestyle – all at a discounted cost. Save on products and services such as:
- Laser Eye Surgery
- Medical Bracelets
- Healthy Eating
- Hearing Aids
- Gym Discounts
Silver&Fit®1 Fitness Program
Blue Medicare Supplement offers an exercise and healthy-aging program. Questions about the program can be answered by calling 1-877-764-2746 (TTY/TDD: 1-877-710-2746), Monday through Friday, 8 a.m. to 9 p.m. EST.
No waiting periods
If you enroll early, you may be eligible for this plan without waiting periods for pre-existing conditions. Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage. If you wait until after the deadline to enroll, you may have a waiting period for pre-existing conditions.
- No waiting periods for pre-existing conditions if you enroll early
Guaranteed acceptance by enrolling early
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 (Plans A and C)
- You enroll within 6 months of enrolling in Medicare Part B
- You are not covered by certain Medicaid programs
- You are a resident of North Carolina
Blue Cross NC Medicare Supplement Information
Compare Plan Benefits
View the Blue Medicare Supplement Outlines of Coverage Brochure
1 Blue Cross NC internal data for Medicare Advantagee, Medicare Supplement and stand-alone Part D as of September 2017.
2 Blue Cross NC Brand Tracking; Maru; April 2017.
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, 12/17, Plan B: BMS B, 12/17, Plan C: BMS C, 12/17, Plan D: BMS D, 12/17, Plan F: BMS F, 12/17, HI DED Plan F: BMS HDF, 12/17, Plan G: BMS G, 12/17, Plan K: BMS K, 12/17, Plan L: BMS L, 12/17, Plan M: BMS M, 12/17, Plan N: BMS N, 12/17
Blue365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items that are covered under the policies with Blue Cross NC. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither Blue Cross NC nor BCBSA recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. This program may be modified or discontinued at any time without prior notice.
The Silver&Fit program is a value-added service on most plans that is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH) and an independent company, to members of Blue Cross NC’s Blue Medicare Supplement plans. ASH Fitness does not offer Blue Cross or Blue Shield products or services. The program is not available on our F-HD plan and is not a part of a member’s policy or benefits. The program may be changed or discontinued at any time. Additional fees may apply and results are not guaranteed. You should consult with your doctor before taking part in a fitness program. All programs and services are not available in all areas. Silver&Fit and the Silver&Fit logo are trademarks of ASH and are used with permission herein. ASH and ASH Fitness do not offer Blue Cross or Blue Shield products or services.
Guaranteed acceptance is limited to Plans A and C for those under age 65 who have Medicare due to disability.