Moore County, NC Health Insurance
Health Plans Have Changed, We’re Here To Help
There’s a lot to think about when it comes to choosing health insurance. Now with health care reform, there’s even more you need to know. By choosing First Pioneer Insurance Agency and Blue Cross and Blue Shield of North Carolina (BCBSNC), you’ll be with a company that’s earned the trust of more North Carolinians than any other health insurance company. With our expertise and broad range of plans, you can find the coverage that’s right for you.
With our plans you’ll enjoy:
- Local customer service to make using insurance easier
- Online member tools with BlueConnectSM
- Doctor and hospital choices
- Your health plan goes where you go
Health Insurance Plans That Offer Essential Benefits
The benefits that are important for getting and staying healthy are at the core of all of our plans. We offer a wide range of options to help you find what fits your needs. It’s what makes Blue Cross NC the right choice for you.
No waiting period for pre-existing conditions: All Blue Cross NC health insurance plans are available with no pre-existing condition(s) waiting periods.
Preventive care benefits: For individual plans, preventive services are covered at no charge when you go to an in-network doctor. These covered services include annual exams, screenings for diabetes, mammograms and more.
Essential health benefits: Blue Cross NC plans provide coverage for essential health benefits. Maternity, newborn care and pediatric services, including dental and vision, are just some of the services covered.
No lifetime maximums: There are no lifetime dollar maximums on the plans.
Dental insurance: Dental coverage is available through a separate plan that provides dental-only coverage at an additional cost to your health plan premium. You may purchase dental insurance with or without the purchase of Blue Cross NC health coverage.
Health Care Reform – The Basics
The Affordable Care Act (ACA) is also known as health care reform. Here is a brief overview of some of the more important changes you should be aware of when considering health insurance:
- You must have health insurance coverage The federal government now requires that most individuals purchase health insurance. Those who don’t may be subject to a tax penalty.
- Financial help is available if you meet certain requirements Financial assistance (also known as a subsidy) from the federal government may help you pay for your health insurance. Our health agents can help you estimate your subsidy. Remember, your actual subsidy is decided by the federal government.
- Annual open enrollment is between November 1 and December 15 Open enrollment is the only time you know for certain you can buy health insurance. You must apply by December 15 to get coverage that starts January 1.
- Once open enrollment ends You may be able to buy health insurance if you qualify for a special enrollment period. If you get married, have a new baby, or lose your health coverage, you may qualify. Documentation will be required.
Choose The Plan That’s Right For You
Everyone has different needs when it comes to health insurance. Our range of products let you weigh the balance between price, provider access and prescription coverage to find the plan that best meets your needs and your budget.
- Blue Select: If you want savings along with access to our largest network of doctors, specialists and hospitals. This plan offers two tiers of in-network benefits.
- Blue Advantage: Gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
Health care reform established metallic categories to indicate the levels of coverage in a plan. This helps you easily compare plans with different deductibles, copayments and coinsurance requirements to determine which plan works best for you.
- Bronze: Good for people who want lower monthly premiums and don’t expect to need a lot of medical services
- Silver: Good for people who want to keep monthly premiums and out-of-pocket medical costs more balanced
- Gold: Good for people who receive medical services regularly and who are okay with a higher monthly premium to have lower out-of-pocket costs
Metallic categories do not take into account all health plan features, such as provider network. Be sure to check if your doctors are in-network.
Making Health Care More Affordable
To help make health insurance more affordable, the federal government offers financial assistance, also called subsidies, to individuals and families who qualify based on their income and household size. These subsidies reduce the monthly cost of a health insurance plan for those who qualify.
In addition to premium subsidies there are also cost-sharing reductions (CSRs), another type of subsidy that provides further help for those who qualify. CSRs lower the amount you have to pay for out-of-pocket costs like deductibles, coinsurance and copayments. Think of a CSR as an upgrade in your benefits. Based on your income level, the government will help to cover some of the costs of your medical services. Keep in mind, to get these benefits you must choose a Silver plan.
Overall, subsidies and CSRs can help lower your health insurance costs significantly if you qualify. Be sure to learn more about them to see if you qualify. The credits are paid directly to your health insurance company – you pay the difference between the full premium and the subsidy on your monthly bill.
Save With An HSA-Eligible Plan
A Health Savings Account (HSA) paired with a HSA-qualified health plan allows you to make tax-free contributions to an FDIC-insured savings account. Balances earn tax-free interest and can be used to pay for qualified medical expenses. HSA-qualified health plans typically cost less than traditional plans and the money saved can be put into your HSA. As an HSA user, you empower savings in several ways:
- Lower monthly health insurance premiums
- Money put into your HSA is not taxed
- You earn tax-free interest on HSA balances
- HSA funds used for qualified medical expenses are not taxed
- You can invest your HSA funds for increased tax-free earning potential
With an HSA, you own the account and all contributions. Unlike flexible spending accounts (FSAs), the entire HSA balance rolls over each year and remains yours even if you change health plans, retire or leave your employer.
A Choice That Comes With Peace Of Mind
We know you have a variety of factors to consider when you are looking for a health insurance plan in Moore County, NC. You need one that will meet your specific needs, your budget and your unique life circumstances. At First Pioneer Insurance Agency, our agents will walk you through the steps of deciding which plan can give you the protection you need.