Raleigh, 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
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
Raleigh North Carolina Blue Cross Blue Shield of North Carolina Health Insurance Quotes
Raleigh, NC Health Insurance
Raleigh, NC is the capital of North Carolina and the county seat of Wake County. Raleigh is the second most populous city in North Carolina. Raleigh is also known
as the City of Oaks because it has many oak trees. Raleigh, NC in 2008, was estimated by the US Census Bureau to have 392,552 inhabitants. This represents a
42% increase from the Census in 2000, making Raleigh NC the 45th largest city in the US and the 8th fastest growing city in the nation. The three main cities of the
RTP (Research Triangle metropolitan region) are Raleigh North Carolina, Durham, and Chapel Hill. The regional monicer of The Triangle originated when the
Research Triangle Park was created in 1959, oriented between the three cities Raleigh, Chapel Hill, and Durham and the three prominent research universities of
UNC-Chapel Hill, Duke University, and NC State Universitiy.
The Research Triangle area includes the US Census Bureau's statistical area of Raleigh, Cary, and Durham located in the central piedmont area of North Carolina.
In 2008 the population of the Raleigh, Cary, Durham CSA was 1.6 million, and the Raleigh, Cary metropolitan statistical area was over 1 million, as the county's
most rapidly growing metropolitan area.Th e majority of Raleigh North Carolina is located inside Wake County, with a minute portion protruding into Durham
County. The towns of Garner, Cary, Apex, Wake Forest, Holly Springs, Knightdale, Fuquay-Varina, Rolesville, and Wendell are most of Raleigh North Carolina's
satellite towns and suburbs. All health insurance plans are not equivelant, and there's no general rule for choosing the best plan in Raleigh NC to fit your needs.
The best fit for one may not be the best for another person. The most beneficial health insurance plan for you is dependent on the type of healthcare you need,
how many people are in your family, among other personaly specific factors. There are a wide variety of health insurance types with a wide range of features
available in Raleigh. Depending on your specific health, the cost of health insurance can vary widely for each type of condition.
Because many people in Raleigh purchase health insurance via their employers, that adds another unknown. Some employers pay for a greater portion of your
health insurance premium than others. This makes inquiring about health insurance benefits important during job searches. You don't have to be a professional, or
spend a large amount of time to access which health insurance plan works best for you. Acertaining which type of plan has the benefits you desire should make your
choice fairly easy. Here is a summary of the primary differences between plan types offered in Raleigh NC: A Health Maintenance Organization HMO is a
membership oriented cost reduction model. A Prefered Provider Organization is similar to a HMO, but with greater freedom. You can see providers outside the
network normally for higher costs than in network providers. Point-of-Service is a hybrid of a PPO and an HMO. Traditional indemnity/major medical is the least
restrictive type of coverage in Raleigh North Carolina. With this plan there is no network, so premiums are higher, but you are able to see any provider for covered
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
Goebelt Insurance Services, Inc. and David Goebelt are an independent authorized agency/producer licensed to sell and promote products
from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Goebelt Insurance Services,
Inc. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.