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  • 2008
    • July
      • BLUE OPTIONS HSA (SM) Funds ( Allowable Expenses for Seniors)
        07/22/08
        If you are over the age of 65, you may use your HSA funds to pay for the following premiums:

        Medicare Part A and/or B

        Medicare Part C and/or D

        Medicare Advantage

        Medicare HMO

        Premiums for employer-sponsored health insurance, or employer-sponsore

      • Medicare Cuts Medicare Advantage Fee-for-Service Plans for 2011
        07/18/08
        New legislation will require Medicare Advantage Fee-for-Service Plans to form provider networks for 2011.

        Currently these types of plans let seniors go to any Medicare approved doctor or hospital in their area.

        Without provider networks to control costs, these plans are costin

      • 2009 HSA Contributions
        07/15/08
        The 2009 Annual HSA Contributions have been released by the U.S. Treasury Dept.

        For 2009, the maximum annual HSA contribution for an eligible Individual with Self-Only coverage is $3000.

        For Family coverage, the maximum annual HSA contribution is $5950.

        The Catch-Up

    • March
      • Preferred Provider Organizations (PPOs)
        03/20/08
        A Preferred Provider Organization(PPO) is a network of private, independent medical providers that have contracted with the (PPO) to supply services at either a fixed or a discounted rate.

        PPO health insurance plans usually charge higher monthly premiums than (HMO's) but offer a larg

      • Benefits of Owning a Individual Health Insurance Policy in North Carolina
        03/10/08
        Many individuals here in North Carolina and across this country do not understand the BENEFITS of owning their own individual health insurance policy.


        The #1 reason for owning your own individual health insurance policy is FINANCIAL protection.

        If you, your spouse or

    • January
      • North Carolina Individual Health Insurance (Tax-Deductible)??
        01/28/08
        Many individuals aren't aware that if they are self-employed here in North Carolina and pay for their own health insurance that their premiums are tax-deductible!

        This is a great BENEFIT for the self-employed business owner!!

        As always, you need to consult your local tax-

      • The Benefits of Having a Cancer Insurance Policy
        01/22/08



        As an agent, I have been selling Cancer Insurance policies for the past thirty seven years here in North Carolina. During this time, I have seen many changes in both BENEFITS and how claims are being paid to the policyholders.

        Today, treating cancer is becomin

  • 2007
    • December
      • Beware of "Association" Health Insurance Plans for Individuals & their Families
        12/26/07
        As consumers look for affordable individual health insurance benefits here in North Carolina, they should be aware that many health insurance products in the marketplace are not created equal!

        One common problem we see on a on-going basis are "Association" health plans that ar

      • Medicare Open Enrollment - January 1st - March 31, 2008
        12/26/07
        Medicare Open Enrollment begins on January 1, 2008 and runs to March 31, 2008.

        During this time, you can join, switch or drop a Medicare Advantage Plan or switch back to a original medicare supplement plan.

        However, you can't add or change to a plan with prescription drug

      • Medical Information Bureau (MIB)
        12/04/07
        Have you ever been declined or rated up when you applied for a health or life insurance policy?

        Chances are that the information contained in your MIB Consumer File was the reason the insurance company made that underwriting decision!

        The Medical Information Bureau (MIB) consi

      • Prescriptions Drugs
        12/03/07
        Approximately 131 million people in the United States use Prescription Drugs.

        Prescription Drugs is one of the leading factors driving health care cost higher.


        Did you know that roughly 25 percent of the prescriptions written in the U.S. are NOT filled primarily becaus

    • October
      • BlueOptions HSA (SM)Plans by BCBSNC(R)
        10/12/07
        More and more individuals in North Carolina are realizing just how great the BlueOptions HSA(SM) plan really is.

        Most consumers who purchase the BlueOptions HSA(SM) plan are able to lower their monthly premiums than with their previous traditional health plan.

        Many consumers do

    • September
      • Medicare Advantage Open Enrollment Period (OEP)
        09/26/07
        Medicare Advantage Plans

        January 1st - March 31st - Open Enrollment Period (OEP)

        Medicare beneficiaries who have both Medicare Parts A and B, and who have already enrolled in an Rx plan have one OPPORTUNITY to switch to a different plan, effective on the first of the following

      • Medicare Supplemental Insurance Plans
        09/06/07
        Medicare Supplemental Insurance Plans



        As more and more baby boomers are heading into their retirement years, they must decide what type of Medicare Supplemental Insurance Plan is right for them.

        Once they turn 65, they have access to Medicare heal

      • Pre-Existing Conditions
        09/06/07
        We are often asked from new and potential health insurance clients, What is a Pre-Existing Condition?

        Blue Cross and Blue Shield of North Carolina(R) defines a Pre-Existing Condition as those which medical advice, diagnosis, care or treatment was received or recommended within 12 months o

    • August
      • BENEFITS offered on BCBSNC(R) Blue Advantage (R) HEALTH PLANS
        08/28/07
        FACT: BENEFITS are not always important to us until we need them!

        Blue Cross and Blue Shield of North Carolina's(R) Blue Advantage(R) individual health insurance remains the best health insurance value for consumers in the North Carolina marketplace!

        Recently, we had a c

      • Medicare Prescription Drug Plans
        08/27/07
        Our agency is constantly taking calls from senior citizens all across North Carolina who is wanting to know when they can change their Medicare Prescription Drug Plan(referred to as Medicare Part D). The Annual Enrollment Period for Medicare Part D is from November 15 to December 31st of each year.

      • North Carolina Health Insurance Agency Launches Online Health Insurance Quoting Web Site
        08/25/07
        NC Health Insurance Agency, McLeod Insurance Agency, LLC, of Asheboro North Carolina, has launched NCHealthbenefits.com (http://www.nchealthbenefits.com/) which allows health insurance applicants in North Carolina to rates or request quotes.

        Health insurance agency in Asheboro North Carol

      • Guide to Buying Health Insurance in North Carolina
        08/25/07
        #1. Check out the Financial Rating of the health insurance carrier.

        (We highly recommend a carrier with a “A” rating or higher.)

        #2. Is health insurance carrier totally committed to the N.C. Health Insurance Market?

        Find out how long they have been selling their curr