Frequently Asked Questions

Apply Online

Q: How can I change my application after I've submitted it? Top of Page

A: You CANNOT modify your application once it is submitted. Please use the preview reports to view responses PRIOR to submission.

Q: Can I submit this form electronically? Top of Page

A: Yes, at the end of the form, you will submit your application electronically. Please do not mail the printed version of the application.

Q: How many days will it take for BCBSNC to process my application? Top of Page

A: It generally takes about 30 days to process your application, though processing time can vary.

Q: Is my information secure? Top of Page

A: Yes, the information you supply in your online application is secure. BCBSNC respects your privacy and has gone to extensive measures to ensure that your personal information is safe. For more information, visit our Privacy Policy.

Q: Will I need to provide any additional information after submitting my application? Top of Page

A: We will contact you if we need any additional information. Depending on many factors, we may ask for a simple health screening to be conducted by a licensed examiner. In some cases, we may ask you to participate in a phone interview or supply medical records from your doctor.

Q: Will the online application guide me through all of the required information fields? Top of Page

A: Yes. You will receive an error message if you miss a required field, and instructions will help you with any questions you may have about how to complete a field.

Q: Will I need to manually sign the application? Top of Page

A: No, since this application will be submitted electronically, you are not required to manually sign the application. However, you must provide an electronic signature that will serve as your written signature. All applicants, spouses and dependents age 18 and older must provide an electronic signature.

Q: I want to buy multiple plans. Is there one application for Dental and Blue Advantage? Top of Page

A: At this time, you must fill out a separate application for each plan - one for Dental and one for Blue Advantage. You can apply for each of the plans online and submit your applications electronically.

Q: What should I do if I'm having problems downloading the completed application report? Top of Page

A: You must have Adobe Acrobat Reader to view and print the completed application. If you do not currently have this software, you can download it directly from Adobe, free of charge.

Q: What if I'm having problems printing the application? Top of Page

A: Due to the many configurations of printers that are available today, you should contact your printer manufacturer's customer service department for advice.

Q: Who can I call regarding questions about filling out this application? Top of Page

A: For additional assistance with your application, call 800-324-4973, Monday through Friday from 8:30am to 5pm to speak with a Customer Service representative.

Q:  Where can I go to learn more about BCBSNC health plans? Top of Page

A: For more information about BCBSNC health plans, visit our online Shopping section.

Q: Where can I view a glossary of medical and health insurance terms? Top of Page

A: You can find our online glossary here.

Q: How should I select an effective date for coverage to begin? Top of Page

A: You should select the coverage period that best suits your health coverage needs. The effective date varies depending on the plan you choose:

Dental Blue for Individuals
If your application is received on or before the 20th of the month, your coverage will be effective on the first day of the next month. If your application is received after the 20th, coverage will take effect on the first day of the following month. For example, coverage for an application received May 19 will begin on June 1. Coverage for an application received May 21 will begin July 1.

Blue Advantage
You can choose for your coverage to begin on either the 1st or 15th day of the month, following approval of your completed application. The requested effective date must be at least 30 days after and no more than 60 days after the signature date.

Blue Medicare Supplement
Blue Medicare Supplement plan may be effective the 1st or the 15th of the month following the applicant's signature. At the time of the applicant's 65th birthday (open enrollment), we will accept applications 6 months in advance of the 65th birthday and until 1 month past the 65th birthday.

For applications received outside of the Medicare birthday open enrollment period, a Blue Medicare Supplement plan may be effective the 1st or the 15th of the month following the applicant's signature date. Applications must be received within 30 days of the signature date of the application. For example, if an applicant signs his/her application on July 13, an effective date of July 15 or August 1 may be requested. An application signed July 28, may receive an August 1 or August 15 effective date.

Q: What is a deductible? Top of Page

A: A deductible is the specified dollar amount for certain covered services that the member must incur before benefits are payable for the remaining covered services. The deductible does not include copayments, member coinsurance, charges in excess of the allowed amount, amounts exceeding any maximum and expenses for non-covered services.

Q: Can I apply for health insurance coverage if I do not have a social security number? Top of Page

A: You must have a social security number in order to apply for health insurance coverage.

Q: What happens if I visit a doctor during my 10-day free trial period and cancel my coverage within the 10 days? Top of Page

A:The claim will not be paid. You will be responsible for the total charge of the bill(s).

Q: What is maternity coverage? Top of Page

A: Maternity coverage is health coverage related to the care and treatment of a pregnancy and delivery of a newborn child. The maternity endorsement is only available for females, either applicant or spouse age 18 or over, on non-Youth-Only policies.

Q: What does it mean to be a resident of North Carolina? Top of Page

A:You are considered to be a resident of North Carolina if you reside in North Carolina at least 6 months or more out of the year.

Q: What does "currently covered by another health insurance plan" mean? Top of Page

A: The phrase refers to whether or not you have any other kind of health insurance coverage active now.

Q: What does "Child Status" mean? Top of Page

A: Identify if your child is your natural, adoptive, foster, or stepchild as determined by North Carolina law from the date of placement in the home.

Q: What does "Handicapped Child" mean? Top of Page

A:A handicapped child is an unmarried dependent child who is either mentally retarded or physically handicapped and incapable of self-support. Regardless of age, a handicapped child may continue to be covered under the health benefit plan if the condition exists and coverage is in effect when the child reaches the age of 19. The handicap must be medically certified by the child's doctor and may be verified periodically by BCBSNC.

Q: What are all the health questions used for? Top of Page

A: These questions are used by BCBSNC to medically evaluate your application.

Q: What is the "Hint Question & Answer" for? Top of Page

A: If you forget your password, you will be required to answer your hint question for verification purposes.

Q: Why am I required to supply my email address? Top of Page

A: An e-mail address is required in order to receive your password upon correctly answering the hint question for verification purposes.

Q: What plan is recommended for Medicare Supplement? Top of Page

A: Plan F is the recommended plan.

Q: What are the different Coverage Types? Top of Page

A: Self : Primary applicant that is 18 and over.

Self & Dependents : Primary applicant that is 18 and over. Dependents must be either a spouse or an unmarried child under the age of 26 (in most cases). Please review your Member Guide or consult your employer regarding dependent eligibility requirements. Handicapped children of any age may be declared as dependents

Q: How long is my "free-look" period? Top of Page

A: For Blue Advantage, and Dental Blue for Individuals, you have a 10-day "free-look" period. For Blue Medicare Supplement, you have a 30-day "free-look" period. The "free-look" period begins after you have received your welcome kit.

Q: What happens if I visit a doctor during my "free-look" period and cancel my coverage within the "free-look" period? Top of Page

A: The claim will not be paid. You will be responsible for the total charge of the bill(s).