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[box] If you are a 2016 BCBSNC Individual customer we welcome you back! Review this site and the Frequently Asked Questions to make the renewal process as smooth as possible and to be sure you make the best decisions for yourself and your family.[/box]

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When is Individual Annual Enrollment?

Annual enrollment for individuals purchasing their own insurance starts November 1, 2016, and ends January 31, 2017.

Do I have to purchase insurance?

If you do not receive insurance through an employer and have no other coverage, most Americans need to purchase insurance or the U.S. Government may charge you a fine.

What information do I need to renew my insurance?

You’ll need to provide some information about you and your household, including income, any coverage you currently have, and some additional items. Use this checklist to help gather what you need to purchase coverage.

Where do I go to renew or make changes?

Please visit Blue Connect and login to renew or make changes. If you receive a subsidy, you will need to make changes at

Where do I go if I have questions?

Will my premium for 2017 be different than my 2016 premium?

For customers purchasing plans via, your premium will depend on a few different factors, and could be different in 2017 than it was in 2016. For instance, if you moved, experienced a change in income, or added dependents to your plan, your premium and tax credit could be different. To find out your 2017 monthly premium, head to, or call 1-800-318-2596.

How can I pay my monthly premium?

Customers have three options to pay their monthly premium:

  • Pay Online: Log into your account online to make the payment. You can also choose to set-up monthly  auto-payments with bank draft or credit cards.
  • Pay-by-Phone:  800-333-7009. This phone number can only be used by customers who are already enrolled and do not need to make a binder payment. Payments can be made by credit/debit card or bank draft.
  • Mail payment: BCBSNC – PO Box 580094 – Charlotte,NC 28258-0094

What happens if I miss my first payment?

Your plan most likely will be canceled. During the open enrollment period, you can shop for another plan. Once you select a plan, make sure your first payment is received by the due date. Also, it is important to note the new effective date of your plan.

When can I make changes to my insurance plan?

If you already have insurance but need to make changes for a January 1, 2017 start date, you must do so by December 15, 2016. Also, after January 31, 2017 you can only make a change if you have a qualifying life event.

Date of Change

Effective Date

By December 15, 2016 January 1, 2017
December 15, 2016 – January 15, 2017 February 1, 2017
January 16, 2017 – January 31, 2017 March 1, 2017

Note: If you need to make a change, it does not cancel your initial selection that may be processing. You may receive an ID card that does not match your final plan choice. Once the change is processed, you will receive an updated card. The subscriber ID on the card will be the same, but benefit information will be updated.

What pharmacy changes do I need to know about?

If your pharmacy coverage has changed, you will receive a letter from BCBSNC outlining the changes. You can also review the changes here.

Here is a summary of changes to expect:

  • To help keep costs down, your plan uses a list of covered drugs called a formulary. Beginning January 1, 2017, your plan may cover different prescriptions. If your medication is not on the formulary, it’s because there is a comparable drug on the formulary.1 BCBSNC will send you a letter if you filled a prescription in 2016 for a drug that will no longer be covered in 2017.
  • Review your pharmacy benefits and your medicines at and talk to your doctor and your pharmacist to ensure you’re taking a covered drug.
  • BCBSNC makes changes to our pharmacy network every year. Before filling a prescription, visit to make sure the pharmacy is in-network. That way, you’ll get the best savings.

Why did you make changes to the doctor and hospital network?

BCBSNC has limited-time contracts with most network doctors, facilities and pharmacies. Some doctors and hospitals choose to change their participation from year-to-year. It is important to research your plan choices for 2017 to select the plan best for your health care needs and for your situation. Read more details about the changes.

When will I receive my ID card?

After you pay your first bill and the policy has been set up, you can use the verification of coverage included in your renewal packet until your ID cards arrive in the mail.

You can also login to Blue Connect, or to print our your verification of coverage.