- Customer service to make using insurance easier. Local customer service professionals are ready to answer your questions quickly and accurately.
- Online member tools: Blue Connect is your gateway for all tools and what you need to know about your health plan, and you can use it on any mobile phone, tablet, or laptop.
- Doctor and hospital choices: Blue Cross NC offers a range of network choices to meet your needs.
- Your health plan goes where you go: with the BlueCard program, your coverage extends worldwide.
- No waiting period for pre-existing conditions
- Preventive Care Benefits: These covered services include annual exams, screenings for diabetes, mammograms, and more.
- Essential Health Benefits include:
- Preventive Care
- Professional Services
- Hospital Services
- Outpatient Services
- Urgent and Emergency Services
- Maternity Services
- Mental Health / Chemical Dependency Services
- Pediatric Dental and Pediatric Vision Care
- Be between 100% and 400% of the Federal Poverty Level (FPL)
- Not be eligible for public coverage, such as Medicaid, the Children’s Health Insurance Program (CHIP), Medicare, or coverage through the armed services.
- Not have access to insurance through an employer. An exception can be made if the employer’s plan doesn’t provide required minimum essential coverage, or if the plan is considered unaffordable (if an individual’s self-only premium is more than 9.56% of the employee’s household income).
- If you make between 100% – 400% of the Federal Poverty Level you may qualify for premium tax credits on the Health Insurance Marketplace.
- If you make less than 138% of the Federal Poverty Level and your state expanded Medicaid, you may qualify for Medicaid or CHIP.
- If you make between 100% – 250% of the Federal Poverty Level you may qualify for out-of-pocket cost assistance on Silver plans sold through the Marketplace.
- Other assistance programs have unique eligibility guidelines.
- Cost assistance for the Affordable Care Act is based on household income (family income). Household or family income for the purposes of the ACA is MAGI (modified adjusted gross income) of the head of household (and spouse if filing jointly) plus the AGI of anyone claimed as a dependent. If you are filing as single, count MAGI only.