Durham, NC Health Insurance Quotes from Blue Cross Blue Shield of North Carolina
Blue Options HSA sm
Blue Advantage ®
Where Integrity Matters
|Blue Advantage®, Blue Advantage
Saver sm, and Blue Options HSA sm
|Compare Blue Advantage®
Plans A, B, and C
The most popular PPO plan from Blue Cross Blue Shield of
Blue Options HSA sm pairs a high deductible health plan (HDHP)
with a health savings account (HSA) to achieve lower premiums
and savings as much as 34% off Blue Advantage.2, 3, 4 Preventive
care services cover policy holders at 100% including routine
physicals and screening tests.5
Blue Advantage offers 3 plan types which allow you to select the
benefits and deductible that works best for your situation, with
benefits and deductible that works best for your situation, with
costs as low as $15 for office visit co-payments and $10 for
generic prescription drugs.1
Blue Cross Blue Shield of North Carolina's high-deductible
health plan (HDHP)
Authorized NC Agent
Blue Medicare Supplement sm
Health care coverage for Medicare beneficiaries
Blue Advantage Saver sm
- Limited doctors office copayments if you don't need to visit
the doctor as often.
- Monthly premium savings.
- More choices in how you pay for office visits and
A plan featuring more cost saving options
Durham North Carolina Blue Cross Blue Shield of North Carolina Health Insurance Quotes
Durham, NC Health Insurance
9% of males living in Durham, NC, in 2008 were working for the healthcare industry. 22% of females in Durham were employed in healthcare also. According to my
estimates, it is not likely that the median price per household in Durham for health insurance is more than 15.5%. I generated this number by averaging 22% and
9% and guessed that male and female employment statistics were generally equal and that the median salary of employees of the healthcare industry in Durham
was normal for the region. My summary is that healthcare costs do not slow down economic growth in the region. This conclusion is founded on the idea that the
price of health insurance for the insureds of the Durham NC region do not exceed the economic benefit supplied by the income of employees of the healthcare
industry. This assumption does not account for the positive effect of health insurance agents and the benefit of risk pooling derived from their work. Neither does it
include the benefits of higher quality of life and longer lifespans, promoted by the healthcare industry.
Truly, health insurance in Durham North Carolina is as problematic an issue as most places in the country now. Generally, it is less expensive for a person to have
health insurance through their employer. This is not caused by lower rates from group plans, on the the contrary, in my past experience, in Durham and other places
in the state, group health insurance is usually more costly than individual health insurance. This is a result of of group health insurance being guaranteed issue.
Even those who have expensive health issues are offered group insurance. Additionally, group health insurance policies in Durham are only permitted to vary the
final rates by 25% plus or minus from the middle base rate. By restraining the range of rates, the total rates are pushed higher.
Many employers in Durham have been pulling back on dependent benefits to try to rein in health insurance costs. Many employers are covering 50-100% of the
employee premium, and leaving premiums for dependents and spouses to be paid by the employee without subsidy. When I happen upon cases like these among
residents of Durham NC, I usually recommend that the children and spouse apply for individual health insurance policies as a measure of cost effectiveness. As a
general rule, group health insurance is usually less expensive for people with poor health while individual policies tend to be cheaper for insureds who are in better
than average health. Individual policies tend to be more competitive for health applicants in Durham because they have more rating flexibility and they also have
the choice of declining applicants. Presently, applicants who are declined in Durham NC may be insured by the risk pool in this state called Inclusive Health. The
purpose of which is to provide coverage for those who would have no other options for heath insurance.
Medicare only covers a portion of your medical costs. But with
Blue Cross and Blue Shield of North Carolina, the state's largest
Medicare supplement insurer,6 you can stop worrying about the
costs that Medicare doesn't cover with our Blue Medicare
- You can see any Medicare-participating doctor that you
- Easy to use and virtually no claims to file
- You're covered in case of an emergency8
- Enroll early and lock in your entry age with most plans9
- Enroll early without a waiting period for pre-existing
- Enroll early for guaranteed acceptance11
1 Refers to Plan A, Preferred Tier, policy form number M58, 7/07
2 BCBSNC does not administer your HSA and is not affiliated with your HSA custodian or administrator. Your HSA custodian is Mellon Trust of
New England, N.A.
3 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov for specific regulations.
4 Blue Cross Blue Shield NC Internal Data, 2009: Based on Blue Advantage $2,500 deductible with 80% coinsurance and Blue Options HSA
$2,000 deductible with 80% coinsurance. Pricing is for a single male, age 40-44, residing in Wake County.
5 Includes in-network annual routine physical exam, well-baby and well-child care and certain immunizations and screenings. Other covered
services may be subject to deductible and coinsurance. Members who receive covered services out-of-network may be required to pay the
difference between the provider's actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount.
6 Based on "2008 Medicare Supplement Insurance Exhibits," published in 2009 by the National Association of Insurance Commissioners
(NAIC), as supplied by Mark Farrah.
7 This is only a summary of benefits describing the policies' most important features. The policy is the insurance contract. You must read the
policy itself to understand all the rights and duties of both you and your insurance company. These policies may not fully cover all of your
medical costs. Neither Blue Cross and Blue Shield of North Carolina nor its agents are connected with Medicare.
8 If you are out of the country more than 60 days, then there is no coverage.
9 For entry age plans the following applies: When you enroll you will lock in your entry age forever as long as you stay in the Medicare
supplement plan that you initially chose. Any rate adjustments will only be due to medical inflation or overall claims experience. Rates are
subject to change but you alone will not be singled out for premium increases based on your health or age. Rates are subject to change June
1st of each year and are guaranteed for 12 months. Any change in your rate will be preceded by a 30-day notice.
10 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 enrollees wait until after the deadline to enroll they may have a waiting period for
pre-existing conditions and may have to complete a medical questionnaire.
11 You cannot be turned down for Blue Medicare Supplement with Blue Cross Blue Shield NC if you meet the following: you're eligible for
Medicare; you enroll within six months of enrolling in Medicare Part B; you're a resident of North Carolina; and you're not covered by certain
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