I received a letter from Carolinas HealthCare System about my insurance. Why?
We saw that you received care from Carolinas HealthCare System in 2016. Your current health insurance plan, Blue Value, does not include Carolinas HealthCare System doctors and hospitals. To pay a low monthly price and pay less out-of-pocket for healthcare from us, consider changing your health insurance plan to Blue Local with Carolinas HealthCare System for 2017. Blue Local with Carolinas HealthCare System is the only plan sold on the Marketplace in Mecklenburg, Anson, Cabarrus, Rowan, Stanly and Union counties that includes Carolinas HealthCare System doctors and hospitals.
Why should I change my plan?
Your current Blue Value insurance does not include Carolinas HealthCare System doctors and hospitals. To pay a low monthly price and pay less out-of-pocket for healthcare from us, consider changing your health insurance plan to Blue Local with Carolinas HealthCare System for 2017.
What is HealthPlan Freedom?
Carolinas HealthCare System has teamed up with HealthPlan Freedom, a well-established company with experienced insurance specialists in North Carolina, 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.
These insurance specialists 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.
View the letter sent to Carolinas HealthCare System patients with a Blue Value health insurance plan that includes mention of HealthPlan Freedom.
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?
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 qualifying life event (i.e., new job, birth of a baby, divorce, marriage).
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 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 doctor(s) included in?
Depending on where you live, Carolinas HealthCare System doctors and hospitals are included in different Individual Health Insurance Marketplace plans.
In Mecklenburg, Anson, Cabarrus, Stanly, Union, and Rowan counties in North Carolina (the Charlotte, NC metro area), the only plans that Carolinas HealthCare System doctors and hospitals are included in is Blue Local with Carolinas HealthCare System.
In Gaston, Cleveland, and Lincoln counties in North Carolina, our doctors and hospitals are in network and preferred with:
- Blue Local with Carolinas HealthCare System
- Blue Advantage
Carolinas HealthCare System is currently working with health insurance partners to help get coverage for our patients in South Carolina. Please check back, as we will be updating this information soon.
Why should I pick a plan that includes Carolinas HealthCare System doctors and hospitals in network?
Choosing a plan that includes Carolinas HealthCare System doctors and hospitals gives you in-network rates with:
- Access to top rated doctors;
- Innovative care from specialty centers like Levine Cancer Institute, Levine Children’s Hospital, and Sanger Heart and Vascular Institute;
- Plus, access to the largest primary care and urgent care network in the region.
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.
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. After a tax credit, the cost of most plans premiums are cut by 76%. 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 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.
If you need assistance enrolling, you can call and speak to one of our experienced insurance specialists by calling 800-210-6424.