This is a great BENEFIT for the self-employed business owner!!
As always, you need to consult your local tax-advisor for full details.
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( 3 / 328 )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 client who was on vacation here in N.C. with his family when he suddenly had a kidney stone attack. The client was rushed to the nearest hospital for treatment. I believe the total cost of the emergency room visit was $3200.00. Our client paid his Blue Advantage(R) Emergency Room Co-Payment of $150.00. Blue Cross and Blue Shield of North Carolina(R) paid the remaining balance of his bill at 100%.
This is just 1 of the many BENEFITS you get with Blue Advantage(R)!
Get the BENEFITS you want and deserve!
Catastrophic Illnesses are REAL!
QUALITY coverage begins with working with an experience AGENT that can help "GUIDE" you with the right protection that best meets your needs.
View all of the health plans that Blue Cross and Blue Shield of North Carolina(R) offers at our website: www.nchealthbenefits.com
We have been serving North Carolina residents since 1971.
Todd McLeod
Agent
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( 3 / 191 )#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 current health insurance product in N.C.
Find out what would happen to your coverage, if the health insurance carrier decided to “stop” writing insurance in N.C. & “pull out” of our state.
#3. Will your “personal” physician & “local” hospitals accept health insurance carrier’s plans.
ALL plans penalize you for using out-of-network doctors & hospitals.
Research ALL In and out-of Network Benefits
#4. Will health insurance carrier’s health plan “limit” you to the # of visits you can use your co-payment benefit in a calendar year?
A lot of health plans offered in N.C. put certain “limits” on how many visits you can use their co-payment options.
#5. Make sure “you” the “insured” DISCLOSE all health information about yourself & other family members that are applying for coverage on the health insurance carrier’s application.
Failure to “disclose”, can cause serious problems for “you” in the future & will most likely see your health insurance carrier “deny “ your claim.
#6. Read ALL policy “Exclusions” & “Limitations” before buying a health insurance policy.
Make sure you know what ”benefits” are covered and the one’s that are “excluded” or “limited”.
#7. Research the Prescription Drug Benefit
Find out what the “maximum” benefit that is provided by carrier’s plan per calendar year.
#8. If the health insurance carrier’s “benefits” plan your looking at seems to be too expensive, look at possibly raising your “deductible” & “co-payment” options to get your “premiums” more affordable.
Most carrier’s offer considerable rate “reductions” for High Deductible health plans.
Higher Deductible health plans offer consumers more stable & consistent rates.
#9. If you need “help” or “advice” in the future, who will be there to assist you?
Purchase your coverage from a “reputable” insurance agent who has been in the insurance business for several years & knows the N.C. health insurance market!!
Buying coverage from an “Authorized” agent doesn’t cost “you” the “consumer” any additional premium than if you purchased the coverage directly from the health insurance carrier’s website!!!
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