ACA Open Enrollment
Frequently Asked Questions
The FAQs are updated on a weekly basis from consumer questions on the phone, by email or social media. If you cannot find answers to your questions this site, please us the contact information listed on the page for assistance.
We are here for you!
Brad Wilson, CEO, discusses how we are prepared to serve our customers during this year’s ACA open enrollment period.
Check claims and benefits, compare health care costs, and take charge of your health and wellness with Blue Connect.
How to make a payment
Important payment information for new and existing customers.
Getting in touch
Online, on the phone or in person. We are here to help.
Digital ID Card
How to get an ID Card online.
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Insuring North Carolinians since 1933.
More Details: Using Your Insurance
Blue Cross NC will no longer offer its grandfathered health plans as of Jan. 1, 2018. That means customers who currently have coverage through a grandfathered plan will need to transition to an Affordable Care Act (ACA) plan with an effective date of Jan. 1, 2018. We...read more
Two weeks ago our CEO, Brad Wilson, wrote about the future of the Affordable Care Act (ACA) and what it means for individual premiums in 2018. Today we’re following up by announcing the proposed rates we’ve filed for ACA coverage next year in all 100 North Carolina...read more
Uncertainty over the future of the Affordable Care Act is not helping health insurers prepare to offer ACA coverage next year. It also is not helping the more than 500,000 North Carolinians who depend on the ACA for access to health care. At Blue Cross NC our...read more
Our last blog post addressing some common misconceptions about the Affordable Care Act (ACA) – commonly known as Obamacare – drew a big response from readers. But don’t worry. There are plenty more myths about the law and they’re ripe for busting. Here are a few...read more
In this era of “fake news” and opinions that are stated with convincing certainty, you may find it hard to know what’s real. Especially when it comes to something as complex as health care. The thin line between myth and reality seems to get a lot thinner...read more
The federal government has extended the enrollment deadline for January 2017 coverage from December 15 to December 19. If you enroll in a health insurance plan through HealthCare.gov or the Marketplace Call Center (1-800-318-2596 – open 24/7) by December 19,...read more
If you purchased a BCBSNC health insurance plan, we thank you. Now that you’ve purchased a plan and made your first payment, you’re ready to become a new card-carrying BCBSNC member. New customers often have a lot of questions about their ID Cards. We’ve...read more
When and How to Make Your Payment to Start ACA Coverage You’ve done the research and found the health plan that’s right for you. Now it’s time to complete the enrollment process by making your first payment. Paying bills is no one’s favorite task. But,...read more
You already know that health care and health insurance are changing rapidly these days. And whether you’re a long-time Blue Cross and Blue Shield of North Carolina member or you’re enrolling in a BCBSNC plan for the first time, you’re bound to have questions about...read more
How hard can signing up for a health plan be? Surely there’s time to figure out your options for Affordable Care Act coverage and choose a plan by Dec. 15. While it might sound simple, there are a lot of things to consider as you make your choices for health coverage...read more
The cost of emergency room care is becoming an emergency of its own. Care received in the ER costs substantially more than similar treatment in an urgent care center or from a primary care physician. A typical ER visit is about $1,900, according to BCBSNC claims data....read more
If you buy your own coverage through the federal Health Insurance Marketplace, you may be in for a pleasant surprise while comparing plans this year. 1. Copayments are going down. Copayments to see a primary care physician – your main doctor who acts as your...read more
Some insurers across the nation are calling it quits on Affordable Care Act plans in the Marketplace after experiencing significant financial losses. Chances are you or someone you know has been notified that their health plan is no longer available for 2017. You...read more
Signing up for a new health insurance plan can seem a bit challenging, especially if it’s your first time. But don’t worry. We’ve got you covered with these tips on how and where to select your plan. If you’re signing up for an Affordable Care Act...read more
North Carolina consumers who buy their own health insurance through the federal Health Insurance Marketplace may notice some changes to the plans BCBSNC is offering for 2017. One critical factor when choosing a health plan is which doctors and hospitals are in the...read more
You’ve seen it on the news, read it on our blog and felt the pinch at the pharmacy: rising drug costs are a top health care concern among consumers and insurers. In 2015 alone, just the three most expensive drugs cost BCBSNC $190 million to cover1. In...read more
Rising health care costs mean that health insurance premiums will be higher for next year’s Affordable Care Act plans. But there’s something you can do about rising premiums: Check the federal marketplace to see if you qualify for a federal subsidy to help you pay for...read more
A quote made famous by John Lennon tells us that “Life is what happens to you while you’re busy making other plans.” Sometimes, the plan in question is your health insurance, especially when life doesn’t happen conveniently within the Annual Enrollment Period...read more
In May, we shared our intention to sell Affordable Care Act (ACA) plans on the federal Marketplace by filing our rates with the Department of Insurance. Despite major challenges with how the ACA has played out in North Carolina, BCBSNC has confirmed its decision to...read more
When our daughter went off to college, my wife and I were excited and overwhelmed with decisions. However, one decision we forgot to consider was health insurance. Should our daughter stay on the family plan? We assumed she would, but we needed more information to...read more
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