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Short Term Health Insurance North Carolina Quote
Short Term Health Care
Short Term Health Care offers a package of benefits similar to Blue Cross and Blue Shield of North Carolina’s (BCBSNC) standard health care plans. Members determine how long they will need coverage—30 days, 45 days, 60 days or 90 days.
Short Term Health Care offers a choice of deductibles: $500 or $1,000. After meeting the deductible, Short Term Health Care will pay 80% of the charges incurred by the member. 1 If out-of-pocket costs 2 reach $1,000 per individual per benefit period, or $2,000 per family, Short Term Health Care will pay 100% of the member’s charges, up to $2 million. 1
An applicant can choose any date to be the effective coverage date on the application. Coverage can be effective as soon as the day after the application is mailed. Since Short Term Health Care is intended to meet only short term insurance needs, the policy is not renewable. Applicants who need more than 90 days of coverage should consider a Blue Advantage plan in conjunction with the Short Term Health Care plan. Blue Advantage is the most popular individual plan in the state. 3 BCBSNC can coordinate this coverage, so the Blue Advantage coverage will begin when the Short Term Health Care expires. Applicants will need to apply for Short Term Health Care and Blue Advantage coverage separately.
To be eligible for Short Term Health Care, applicants must be residents of North Carolina, under age 65, not eligible for Medicare or Medicaid and not enrolled in a Short Term Health Care policy in the last 12 months.
Short Term Health Insurance North Carolina
® mark, SM marks of the Blue Cross and Blue Shield Association. SM1 mark of Blue Cross and Blue Shield of North Carolina. (1) Based on established provider’s reasonable charges for covered services. (2) Your deductible, amounts exceeding allowed amounts, and charges for noncovered services do not apply to your out-of-pocket maximum. On a family certificate, no more than three family members have to satisfy their deductible during each benefit period. There is a waiting period for pre-existing conditions. Blue Cross and Blue Shield of North Carolina defines pre-existing conditions as those conditions for which medical advice, diagnosis or treatment was received or recommended within 12 months of the date that your coverage under Short Term Health Care becomes effective. For costs and further details of the coverage, including exclusions, any reductions or limitations, and terms under which the policy may be continued in force, see your agent or write to the company. Your actual expenses for covered services may exceed the stated coinsurance percentage or copayment amount because actual provider charges may not be used to determine the payment obligations for BCBSNC and its members.