Why is my UnitedHealthcare Compass or Aetna Coventry plan going away?
UnitedHealthcare and Aetna decided that they would not offer any individual health insurance plans on the Individual Health Insurance Marketplace in NC for 2017.
I received a letter from the Individual Health Insurance Marketplace saying I’ve been enrolled in a new plan. Why?
If you had a UnitedHealthcare Compass or Aetna Coventry individual health insurance plan, your plan won’t be offered again on the Individual Health Insurance Marketplace in NC for 2017. As a result, the federal government enrolled you in another plan that likely does not include Carolinas HealthCare System Blue Ridge doctors and hospitals. You should consider changing your plan to Blue Advantage from Blue Cross and Blue Shield of North Carolina. This is the only in-network plan sold on the Individual Health Insurance Marketplace in your area that includes Carolinas HealthCare System Blue Ridge/Blue Ridge Medical Group doctors and hospitals which helps you have lower out-of-pocket costs when you get care from us.
Open Enrollment continues through January 31, 2017, however, for coverage effective January 1, 2017, you have until December 15 to change your plan, and you must pay your first month’s premium by January 1, 2017.
What is HealthPlan Freedom?
Carolinas HealthCare System has teamed up with HealthPlan Freedom, a well-established company with experienced insurance agents, to help answer questions you may have about your plan options on the Individual Health Insurance Marketplace and to help you enroll in a new or different plan.
Licensed insurance agents can help you enroll in a plan over the phone. The agency also offers a website for those interested in enrolling in a plan online
What is the Federal Marketplace / Federal Exchange / Individual Health Insurance Marketplace / “Obamacare” / Affordable Care ACT (ACA) Health Insurance?
The Individual Health Insurance Marketplace, sometimes called the “Federal Marketplace” or “Federal Exchange,” is a resource for individuals and families to shop for and enroll in a health insurance plan. It also provides information on programs that can help people pay for coverage.
What is a premium, how much will my premium be?
A premium is the amount you pay each month to keep your health insurance plan active.
What are out-of-pocket costs?
Out-of-pocket costs are your total expenses for medical care that are not paid by your health insurance plan.
What is a network?
A “network” is a group of doctors and hospitals that participate in a health insurance plan. Typically, you pay lower out-of-pocket costs if you go to doctors and hospitals that belong to your health insurance plan's network.
When is Open Enrollment for the Individual Health Insurance Marketplace?
“Open Enrollment” is a federally mandated period of time where consumers can sign up via healthcare.gov for health insurance on what is known as the Individual Health Insurance Marketplace. Open Enrollment runs from 11/1/2016-1/31/2017. After this period, you may NOT make changes to your health insurance options, unless you have a life change (i.e., new job, birth of a baby, divorce, marriage).
If you are currently a member of an individual NC or SC Marketplace health insurance plan that will not be sold on the NC or SC Marketplace in 2017 (for example, Aetna Coventry or UnitedHealthcare Compass), you may qualify for a Special Enrollment Period. Learn more.
What’s the deadline to buy an individual health insurance plan and have coverage start Jan. 1, 2017?
The deadline to buy an individual health insurance plan on the Individual Health Insurance Marketplace and have coverage start by 1/1/17 is 12/15/16.
If I buy an individual health insurance plan on the Individual Health Insurance Marketplace, can I change my mind and enroll in a different plan?
You can change your mind and enroll in a different plan during Open Enrollment as long as you have not paid your first month’s premium. Once you’ve paid your first month’s premium, you can no longer change your plan unless you have a qualifying life event like a new job, marriage, birth of a baby or divorce.
If you qualify for a Special Enrollment Period, you may be able to change your plan after you’ve made your first payment. Learn more.
What plans are my Carolinas HealthCare System Blue Ridge or Blue Ridge Medical Group doctor(s) included in?
If you live in Burke, Caldwell, Catawba or McDowell counties, the only individual health plans that include Blue Ridge doctors and hospitals in the preferred network are Blue Advantage plans from Blue Cross and Blue Shield of North Carolina.
Why should I pick a plan that includes Carolinas HealthCare System Blue Ridge / Blue Ridge Medical Group doctors and hospitals in the preferred network?
Choosing an in-network plan that includes Carolinas HealthCare System Blue Ridge / Blue Ridge Medical Group doctors and hospitals gives you access to top rated doctors and access to the largest primary care and urgent care network in the region at the lowest out-of-pocket costs.
Which plans are my prescriptions covered in?
You can use Healthcare.gov to find available plans in your area and look up your medications to determine your out-of-pocket cost and coverage amounts.
How much will a particular visit or service cost with the plan I choose?
If you need exact details about a particular plan and its coverage, please contact the insurance company. To reach BCBSNC, call 1-800-894-2880.
Why do I need health insurance?
The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. You need health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs.
Additionally, under the Affordable Care Act, if you choose not to get health insurance, you may be required to pay a fee – sometimes called a “penalty” or “fine” – when you file your federal income taxes.
What happens if I don’t buy health insurance?
Under the Affordable Care Act, if you can afford health insurance, but choose not to get it, you may be required to pay a fee — sometimes called a "penalty," "fine," or "individual mandate" — when you file your federal income taxes.
What if I can’t afford insurance?
Affordable coverage through the Individual Health Insurance Marketplace is available for certain qualified individuals. After financial help, 7 out of 10 people can find plans with premiums of less than $75 dollars per month. If you enroll by December 15, 2016, your coverage will start January 1, 2017.
How do I enroll in/purchase an individual health insurance plan on the Individual Health Insurance Marketplace?
If you are ready to enroll in a health insurance plan, you can visit Healthcare.gov to complete your enrollment. Once you have enrolled you will receive information from your insurer on how to pay your bill.