Common terms

and definitions

Knowing the definitions of some common

terms associated with health insurance-charlotte nc 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 charlotte NC. 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 charlotte nc 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.

Coinsurance maximum (For Blue Advantage)

The total amount of coinsurance that you’re required to pay

for covered medical services in a year. Once you reach the

coinsurance maximum, BCBSNC covers 100% of all covered

services for the remainder of the benefit period. You may

continue to pay copayments for covered services.

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 coverage.

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.

Common questions
about health insurance
If you’re looking for health insurance, chances are you
have a lot of questions. Take a look at some of the
most common health insurance questions we receive

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.
What’s the difference between in-network

In-network providers are contracted with BCBSNC to provide
services to members at discounted rates. Out-of-network
providers aren’t contracted, so their services usually cost more
for members. Plus, BCBSNC generally pays a lower percentage
for these services, which also may increase member out-ofnetwork
provider costs

What’s a pre-existing condition and how does
it affect my plan if I have one?
A pre-existing condition is a condition, disease, illness or injury
for which medical advice, diagnosis, care or treatment was
received or recommended within the 12-month period prior to
the effective date of your health insurance plan.18 If you have a
pre-existing condition, any medications, doctor visits or surgeries
related to this condition won’t be covered until 12 months after
the policy’s effective date. If you had other coverage before
enrolling in a plan, without a lapse of 63 days or more, your
waiting period for pre-existing conditions will be reduced by the
number of days that you had prior coverage

How much do I have to pay if I get really sick?
With all of our plans, there are maximum limits you’ll pay for your
covered services each year that help protect you from endless
medical bills. Blue Advantage plans have coinsurance maximums
and Blue Options HSA plans have total out-of-pocket maximums.
See page 11 for more detailed definitions

Do I have to meet the deductible before I pay
copayments for my doctor visits?
No. Deductibles and copayments work separately. For each
covered service provided, you may be charged a copayment
or a deductible, not both. Generally, copayments are a fixeddollar
amount paid at the time of service – like for an office
visit or a prescription – whereas deductibles go towards paying
for covered services before your health insurance begins
paying toward those expenses. Some prescription plans have
a separate deductible that’s required before prescription drug
copayments begin

Do copayments count toward the deductible?
No. Copayments don’t count toward deductibles. They’re a flat
rate fee separate from your deductible costs

What is an HSA?
An HSA is a health savings account that allows you to save
money to pay for future medical expenses on an income-tax-free
basis. The HSA is connected to a high-deductible health plan
that doesn’t have copayments. You pay out of pocket until your
deductible is met for all services, excluding a predefined list of
preventive services that are covered at 100% (no cost to you)
each year.3

What does “coinsurance after the benefit
period deductible” mean with a health
savings account (HSA)?
Since there are no copayments with a Blue Options HSA, you
pay the total cost of your care until your deductible is met –
even for doctor’s visits, unless it is for preventive care.3 After
that, you pay coinsurance for covered medical expenses until
you reach your total out-of-pocket maximum. Once the total
out-of-pocket maximum is met, BCBSNC pays 100% of covered
medical expenses

What if I only need 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.

Limitations & Exclusions
Like most health care plans, Blue Advantage and Blue Options
HSA have some limitations and exclusions. You must qualify
medically. If your application is approved, you will receive a
Member Guide. It will contain detailed information about plan
benefits, exclusions and limitations.
This is a partial list of benefits that are not payable to either Blue Advantage or
Blue Options HSA:

Our traditional PPO plan

Blue Advantage is a PPO plan – a preferred provider organization
plan – which means you pay convenient copayments or coinsurance
for things like primary care visits, specialist office visits and
prescription drugs.9

How your preventive care benefits work
Preventive care services are generally covered at
100 percent of the allowed amount when they meet
the following conditions:
• The service is delivered by an in-network provider.
• The service is performed in an in-network, office-based
setting or stand-alone clinic and filed as an office visit.
• The service is received only once per benefit period.
• The service does not include any additional procedures

Regular preventive care can help you stay in better overall health.
Make sure you understand how your preventive care benefits work,
and be sure to take advantage of them

Your covered preventive care services
Screening tests (adult and child)
Each of these services is covered once per benefit period:
• Pap smear
• Routine pelvic exam
• Chlamydia screening
• Clinical breast exam
• Cholesterol
• Lipid screening
• Hemoglobin
• Prostate specific antigen
• Digital rectal exam
• Osteoporosis screening

Screening tests that involve additional diagnostic services
are subject to your deductible and coinsurance.
Well baby and well child care2
• Children up to age three: Routine office visits
• Children ages three through 18: One routine office
visit per benefit period
Adult preventive care
• One routine office visit per benefit period is
covered for adults age 19 and above.
Obesity evaluation and management
• One office visit per benefit period is covered.
Additional obesity evaluation visits are subject to yourdeductible, coinsurance and a four-visit limit.

Your preventive care benefits continued

Immunizations (adult and child)2
Covered:
• Diphtheria – Pertussis – Tetanus Toxoid (DPT)
• Polio
• Influenza
• Measles – Mumps – Rubella (MMR)
• Pneumococcal vaccine
• HiB
• Hepatitis B
• HPV (girls and women ages nine to 26)
• Meningococcal vaccine
• Chicken pox
• Herpes Zoster (Shingles)
Not covered:
• Immunizations required for occupational hazard
• Immunizations required for international travel

Mammogram
• Covered once per benefit period
Routine, preventive mammograms are paid at 100 percent of
the allowed amount when performed in an in-network, office based
setting or stand-alone clinic and filed as an office visit.
Should your physician perform additional services during the
procedure, such as the removal of breast tissue for biopsy,
the service is subject to your deductible and coinsurance

Colorectal cancer screening
• Covered once per benefit period
As with other preventive services, colorectal screenings must
be performed in the physician’s office, not in an outpatient
clinic or hospital, to be covered as preventive. Should your
physician perform additional services during the procedure,
such as the removal of identified polyps, the service is subject
to your deductible and coinsurance.

Things you should know
• If you receive more than one of these services per
benefit period, the additional service may be subject to
your deductible and coinsurance

Services that are not delivered in an in-network, office based
setting or stand-alone clinic filing as an office
visit will be subject to your deductible and coinsurance

• During routine preventive visits, your health care
provider may order additional screenings not listed here.
These are subject to your deductible and coinsurance.

• Save on out-of-pocket costs. Ask your health care
provider to send your routine lab work to a contracted
BCBSNC reference lab

BlueCross BlueShield of NC offers Individual & Group Medical-Health Insurance at affordable rates with several plans to choose from, this is a company that I’ve had over 15 years and never had a problem getting a claim paid & in my opinion that is the most important part of purchasing a health-medical insurance plan in charlotte NC. 

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

RALEIGH, N.C.  – North Carolina Republicans say they’ll take their fight over the federal health care overhaul to the Legislative Building if the Democratic plan passes on Capitol Hill.

House and Senate GOP leaders said Tuesday at a news conference they would file legislation when the General Assembly returns in May letting North Carolina residents “opt out” of requirements that they get health – medical insurance or face cash penalties. House Minority Leader Paul Stam said he believes the U.S. Constitution gives states the right not to participate in parts of the overhaul.

Passage in the Legislature is a long shot because Democrats control the Legislature.

House Speaker Joe Hackney told reporters later Tuesday the GOP news conference sounded like a political event, not a substantive one. Other states are examining similar legislation.

1 Comments For This Post

1. I believe that it is important that citizens not be forced into health-medical  insurance plans in NC which take away their choices or penalize them via taxation for being able to purchase an insurance plan of their choaing. None of the plans offered adequately cover mental health, deal with malpractice costs nor places responsibility and sufficinet accountabilities for compliance on individuals receiving proposed health care. The cuts in Medicaid and Medicare to pay for this care is a take away not a giveaway. In addition, Congress and the Executive as well as Judicial branches of government should be subjected to any such legislation which is passed. Lastly, the constitutionality of exempting certain states and areas from federal legislation such as that being proposed should be challenged.

Unable to win the votes on health- medical insurance overhaul, Republicans are eyeing a battle in the courts.

Their strategy? Have the overhaul’s requirement that everyone in the country have health-medical  insurance declared unconstitutional. If uninsured people don’t buy coverage, they would be penalized to the tune of $750 under the Senate bill, for instance.

Republicans are forcing the issue with a Senate vote today on the constitutionality of the mandate. "What’s next?" said Sen. John Ensign (R-NV), who’s leading the challenge. "Will we consider legislation in the future requiring every American to buy a car? Will we consider legislation in the future requiring every American to buy a house?" he asked, according to the Wall Street Journal.

There’s little chance the measure will get traction, given the Democrats’ power bloc. But the Republicans will have a chance to drive home their opposition to health overhaul another time. And they may lay the groundwork for future court cases.

Ensign and his allies claim the mandate that everyone buy medical health insurance "violates the Fifth Amendment’s ban on the taking of private property for public purposes ‘without just compensation,’ " as CQ explains.

Oh, really? Democratic Sen. Max Baucus of Montana invoked the opinions of a bunch of constitutional lawyers to rebut Ensign’s claim, saying on the Senate floor:

Most legal scholars who have considered the question of a requirement for individuals to purchase health-medical coverage argue forcefully that the requirement is within Congress’ power to regulate interstate commerce.

One of the scholars on Baucus’ list, Erwin Chemerinsky of the University of California, Irvine, told CQ, "The Takings Clause requires just compensation; the value of the insurance gained could be seen as sufficient just compensation."

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In Charlotte NC I recommend BlueCross BlueShield of North Carolina for your Health-Medical Insurance benefits for an Individual or Group plan.as they no longer offer a short term health-medical insurance plan in North Carolina.

About Assurant Health

Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage to people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small business health insurance, short term health insurance and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. Assurant Health is headquartered in Milwaukee, Wisconsin, with operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country. The Assurant Health Web site is http://www.assuranthealth.com/.

Our Beliefs

Assurant Health is built on the cornerstone of consumer choice — providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers. With more than 200,000 local agents that are dedicated to supporting their customers. Assurant Health has a reputation of integrity in honoring its commitments to customers.

Size, Stability, Strength

• Assurant Health is a leader in the individual medical health insurance market
• United Healthcare also offers Short term Health Insurance
• I will upload some info on that later

A lot of people think that health-medical insurance reform doesn’t matter to them in charlotte NC because they already have coverage. And it’s easy to understand why some Americans might resist changing the medical-health insurance in charlotte NC  system for fear that significant reform would threaten what they have now.

There is not a threat to health care coverage in the country, but it isn’t reform: it’s doing nothing. Competition of medical-health insurance premiums in charlotte NC are helping keep the cost down…
At a time when health-medical insurance in charlotte NC is getting easier to obtain.

BlueCross BlueShield of North Carolina is the Medical-Health Insurance in Charlotte NC I recommend

In today’s economy, people everywhere are looking for ways to cut costs, from downsizing homes to forgoing vacations to driving that car an extra year.   One area people often overlook in their money-saving quest is medical- health insurance in charlotte NC, which doesn’t have to be a steep, rigid price.  So in the spirit of saving money, below are three ways you can reduce the cost of your Charlotte NC health insurance cost.

Live Healthy, Be Healthy

Taking care of your health has multiple benefits.  Health Insurance companies in Charlotte NC usually offer lower monthly premiums to those who live healthier lives, and when you take care of your health, you spend less money on doctor visits and prescriptions.  A few simple activities, like eating healthy, exercising and not smoking can dramatically impact your health, and ultimately, your health-medical insurance cost in charlotte nc.

Shop Around

A qualified medical insurance agent can direct you to the leading North Carolina health insurance carriers and help you to compare different medical- health insurance plans. Comparing coverage options and pricing allows you to find the most affordable medical/ health insurance in charlotte north carolina plan that best fits your needs.

Choose a Higher Deductible

A deductible is the amount you are expected to pay toward doctor, hospital, and other medical bills.  Once your deductible is met, most plans cover 100 percent of costs up to a set amount, called a “Lifetime Benefit,” which is usually five million dollars.  The major benefit of a high deductible health plan (HDHP) is that it’s paired with a lower monthly premium.  If you’re generally healthy and don’t require frequent doctor visits or prescriptions, a HDHP can be maintained with just a small payment each month, and it usually covers all of your preventive and wellness benefits too.

Another money-saving advantage of a HDHP is that it makes you eligible to open a HSA, which allows you to save money on a tax-free basis, similar to an IRA.  This money is then used toward health care costs not already covered by your deductible. Any money left in the account at the end of the year can be rolled over year after year up to age 65 on a tax-deferred basis, saving you even more money.  It’s like a health care IRA on steroids.

Following these simple tips will allow you to save some money and take control of your health care costs – something we can all benefit from these days

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