Is there anyone without the need for health-medical insurance in Charlotte NC? The truth is we all need it. Even if you are young, healthy and not have to visit a doctor in years, no one believes that there will be diagnosed with the disease or be involved in an accident.

Are you looking for temporary  individual-medical insurance plan in charlotte, NC, while your group coverage is effective, or are looking for long-term coverage for you or your family – we can help.

As an independent agency, All Aboard Benefits willing to offer the best individual health insurance plans in Charlotte,NC , the main stakeholders in medical-health insurance, like Blue Cross / Blue Shield of NC.

If you are a student, who had just married, starting a family to have their children have grown , or have retired, we will make sure that we have an individual health-medical insurance plan in Charlotte NC for the best match their needs.

Our medical-health insurance in Charlotte NC offers a variety of programs and services such as:

• An extensive network of participating physicians
• emergency treatment for 24 hours
• Flexible deductibles for individual or family
• Ease of choosing doctors and specialists without the need for earlier referral.

No one knows what makes his future, but the fact that there is a balance between positive and negative things, high and low. You can not control what will happen later, but if you can plan and prepare to choose individual health-medical insurance plans with coverage Charlotte NC.

It’s easy to apply for coverage!
Complete the application. Be sure to answer all the questions, sign and date the
application. Return the application to your agent. Your agent will forward the
completed application to Blue Cross and Blue Shield of North Carolina (BCBSNC).
You can choose to have your policy start on the 1st or 15th of the month,
depending on when you apply. Your agent can assist you with determining the next
available effective date. BCBSNC will review your application. Many applications
will have a decision right away; others may require a telephone interview.
Once you have been enrolled, you’ll receive your Member Guide and ID card(s)
within two weeks.
Easy steps to enroll
HOW
CAN WE
HELP?
For more information,
please contact your agent.
An independent licensee of the Blue Cross and Blue Shield
Association. U5079b, 10/09
Our traditional PPO plan Our high-deductible health plan with a
tax-advantaged savings account for
qualified medical expenses7
To find out which plan is right for you, start on page 4.
To be eligible for coverage, you must be a North Carolina resident under 65 years of
age, not be covered by another health insurance policy, not be enrolled in Medicare and qualify medically.
bcbsnc.

Life stages
Find out what you need
As your life changes, so do your health coverage needs. The Life stages chart displayed below will help you
determine which plan could meet your current needs. Take a look at the life stage that sounds most like yours
and review our recommended plans. Wherever you are, we’re here to help.

Just starting out Since graduation, you’ve had a lot to think about – which job to take, where to live and how to keep up
with new living expenses. Among these important decisions should be which health care plan will give
you the coverage you want at a price you can afford. So whether you’re used to your parents’ traditional
copayment plan but need lower premiums, or you’re in good health and ready for a high-deductible plan
with low premiums, we have options for quality coverage that will keep your budget on target.

Starting or
raising a family
Preventive care coverage is important to keep your family healthy. That’s why our plans cover standard
immunizations, well-baby care and well-child care.2,3 You’re also covered for a variety of preventive care
procedures and routine annual exams. You can choose a traditional PPO plan with low copayments, fast
and easy access to an extensive provider network, and access to specialists without a referral.5 Or, you
can choose a high-deductible health plan that covers 100% of certain preventive care services3 even
before you meet the deductible.

Self-employed or
on your own
Maybe you’re self-employed or working for a company that doesn’t offer health coverage. Or, maybe
you’re recently divorced and are no longer covered by your spouse’s health plan. Whatever your life’s
challenges, we have a variety of traditional PPO and high-deductible plans that empower you to make
good decisions about your health coverage, your budget and your future.

Retiring early You worked hard. You played smart. Now you’re ready to retire early. You earned it, so you deserve
health coverage options that will protect your health and your investments. Blue Options HSA offers a
tax-free way to help you pay for current or future out-of-pocket health care expenses.7 And annual outof-
pocket maximums mean your savings can be protected from high-dollar covered services.8 So, when
you’re ready to do the traveling you’ve always dreamed about, you can keep your mind on the road, not
on your health coverage.

Between jobs For a variety of reasons, planned or unplanned, people find themselves changing jobs or suddenly
between jobs. That’s why we offer low-premium options for traditional PPO plans or high-deductible
health plans that can get you covered within 15 days of application.

Child-only
coverage
When you need coverage just for your child, our Blue Advantage and Blue Options HSA plans can
provide health coverage to protect your most important priority. Select from a variety of premium levels
with options for copayment and deductible amounts

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

Deductible
The amount you pay your insurance provider each benefit period
for certain covered services before your health insurance begins
paying toward those future covered services. An example would
be medical care or prescription medications.

Family deductible (For Blue Advantage)
A family deductible for Blue Advantage is met once three members
on a family policy each meet their individual deductibles

Family aggregate deductible
(For Blue Options HSA)
A family deductible for Blue Options HSA is a deductible that has
to be met before any benefits are payable for any given member
in a family. Under a family aggregate deductible, services for all
family members who are covered under the plan get applied to
the same deductible.
Coinsurance (For Blue Advantage)
The percentage of covered medical expenses that you pay
after you’ve paid your deductible. Coinsurance is usually listed
as a percentage. So if BCBSNC lists coinsurance at 20% of
covered medical expenses after you’ve met your deductible,
then BCBSNC pays 80% and you pay 20% until you reach your
coinsurance maximum.

Preferred provider organization (PPO)
A health plan that contracts with various physicians and
hospitals. PPO members are offered a financial incentive to use
providers on a preferred list, but some use out-of-network
providers at a higher cost.

Total out-of-pocket maximum
(For Blue Options HSA)
The total amount of money you will pay out of pocket during a
benefit period. Once you reach the total out-of-pocket
maximum, BCBSNC covers 100% of all covered services for the
remainder of the benefit period. Total out-of-pocket maximum
includes deductible and coinsurance that you pay, and is
determined whether you have individual or family

Health savings account (HSA)
An HSA is a tax-free way to help pay for current or future out-ofpocket
health care expenses.7 To be eligible to open an HSA and
begin saving money for medical expenses tax-free, you must be
covered by a high-deductible health plan. BCBSNC will set up
an HSA for you when you purchase a Blue Options HSA health
plan. Then you will be able to make contributions to this account.
Dollars that are not used in a given year roll over into the next
year and are completely portable should you change jobs or
switch health care coverage.

High-deductible health plan (HDHP)
A high-deductible health plan is a health plan product that, when
combined with an HSA, provides insurance coverage and a
tax-advantaged way to help save for future medical expenses.
An HDHP typically has a lower premium with a higher annual
deductible than a traditional health plan and must meet other
specific federal guidelines. With the exception of preventive care,
members covered under high-deductible health plans do not
have benefits for any coverage prior to meeting the deductible.
That means the member pays for covered services such as office
visits, emergency room visits and prescription drugs out of pocket
until the deductible is reached.

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If I apply online for an insurance plan,
am I obligated to buy?
No. You’re under no obligation to buy a health insurance plan.
Once you’ve received a final decision after applying, you’ll be
given the option to review the original plan you selected, as well
as other plan options available to you.