What if I only need health insurance for my child
and not for myself – how do I purchase it?
You can purchase a Blue Advantage or Blue Options HSA policy to
cover your child or adopted/foster child without being covered by
the policy yourself. Your child will receive full Blue Advantage or
Blue Options HSA benefits, including immunization, well-child and
well-baby care coverage. When you apply, be sure to enter
your child’s information (name, gender and birth date) as the
primary applicant. If you plan to cover multiple children, each
child must have his or her own policy, so you’ll need to apply
for each policy separately. Multiple children may be covered on
the same Blue Advantage or Blue Options HSA policy, as long
as the parent is covered by the same policy.
You can cover children up to age 26 on your policy, as long as
they are your legal dependents. However, children under age
18 are not eligible to have their own health savings account.
Children under age 18 are subject to certain tax guidelines.
Consult a tax professional for more information.
What are my options for a maternity rider?
For an extra charge, a maternity rider is available when you
first purchase your Blue Advantage or Blue Options HSA policy,
renew your policy (if the policy has been in effect for at least six
months) or if you have a family status change, such as marriage.11
A maternity rider is available only for adult females age 18 and
over (subscribers or spouses) who are not pregnant at the time
a maternity rider is selected and are not on a child-only policy.
Services are subject to deductible and coinsurance.
How do I get dental coverage with my plan?
Dental coverage is available through Dental Blue for
IndividualsSM, a separate plan that provides dental-only coverage
at an additional cost to your health plan premium,12 and it’s
available with or without the purchase of a health plan. Dental
Blue for Individuals covers two (2) preventive care visits at 100%
each year. Basic services and major services are covered (in part)
after you meet your dental deductible.
If I get a Blue Options HSA health plan, do I have
to worry about finding and setting up the HSA?
No. BCBSNC sets up an HSA automatically when you purchase
a Blue Options HSA health plan. You must be 18 or older to be
eligible for an HSA. Then you can make contributions into an
FDIC-insured checking account, administered by Mellon Trust of
New England, N.A.1 Once you’ve registered your signature, you
can use your HSA checkbook or debit card to pay for provider
services. Simply show the provider your BCBSNC ID card and
pay, either at the time of service or later when you receive a bill.
See
Common terms
and definitions

Knowing the definitions of some common
terms associated with health insurance may
help you make better decisions about which
plan is right for you

Premium
A periodic payment made to BCBSNC to keep your health
insurance policy active. Premiums are separate from other costs,
like copayments, deductibles and coinsurance.

Copayment
A fixed dollar amount that you pay to a provider at the time certain
Blue Advantage-covered services are provided. For example, the
price you pay for an office visit or a prescription medication

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Premium
A periodic payment made to BCBSNC to keep your health
insurance policy active. Premiums are separate from other costs,
like copayments, deductibles and coinsurance.
Copayment
A fixed dollar amount that you pay to a provider at the time certain
Blue Advantage-covered services are provided. For example, the
price you pay for an office visit or a prescription medication