BCBSNC Hme Page BCBSNC | Keep My Plan

Urgent Update:

Members Can Now Keep Their Current Plan

What are My Options?

Important Update for Blue Advantage®, Blue Advantage SaverSM, Blue ValueSM, Blue Options HSASM and Blue AssuranceSM Customers.

We understand health care reform has been challenging, so we are giving our members a new option.1 You can now keep your current 2013 plan. Yes, it's true. We're doing this for our members as part of our commitment to providing continued and affordable coverage.

Keep Your Current  2013 Health Plan Through 2014

  • If you like your current 2013 plan, you don't have to do anything. BCBSNC will automatically renew your current plan to extend into 2014.2 In early December we'll send you a letter with your updated 2014 rate information.
  • These plans will continue to have the same benefits as you do today, in addition to expanded Mental Health and Substance Abuse benefits. It will be extended for one year, through Dec. 31, 2014.2 It will also meet the requirements to avoid the tax penalty under the ACA. However your current plan is not eligible for federal subsidies that may lower your monthly costs for health insurance.
  • You can expect a rate change typical to what you have received in the past. The rates for health insurance have always changed from year to year because of a variety of factors, including the costs of health care services and your age. New taxes and fees under the Affordable Care Act (ACA) also apply to these plans and contributes to rate changes.
  • However, keeping your current 2013 plan allows you to postpone the effects of new additional rules and regulations from the Affordable Care Act (ACA) that may significantly increase premiums for many in 2014.
  • In 2015, you will need to transition to a new plan that meets additional ACA requirements. We will ensure that the transition is as smooth as possible.
  • Full details on your plan and rate will be available online within Member Services.

Note: If you already made a change to your 2014 plan, your changes will remain in effect unless you opt to switch back to your current 2013 benefits.

Choose to Switch to a New  2014 ACA Plan

  • You can still switch to a new health care reform plan.
  • There are benefits to the new health care reform plans that may be advantageous for you and your family like maternity and newborn care, pediatric services (including oral and vision care) and no annual dollar limits on select benefits.
  • You may also have the opportunity for a reduced rate with subsidies on ACA plans. Log on to Member Services, and use our subsidy calculator to determine if you are eligible for subsidies. If you do qualify, you'll need to apply for subsidies on the Health Insurance Marketplace to complete your enrollment. We know this may be difficult and frustrating at times. Even with these potential delays, the deadline to complete your enrollment with subsidies is Dec. 23, 2013, for a Jan. 1, 2014, effective date.
  • If you do not qualify for subsidies, but still want to explore your options and switch to a new plan, you can do that as usual by logging onto Member Services. If you want to switch to a new BCBSNC 2014 plan, you need to do so by Dec. 23 for a Jan. 1, 2014, effective date .

Every customer should evaluate his or her unique situation to determine whether keeping their current benefits is the best option or if moving to an ACA plan might provide additional coverage at a subsidized rate.

Important: December 23 is the deadline to enroll in a new plan or make changes to your existing one for an effective date of Jan. 1, 2014.


Online Webinars:

We are hosting several webinars to help members understand their options. Register today!.

FAQs

Do I have to do anything to keep my current 2013 plan?

  • No, BCBSNC will automatically renew your current 2013 plan for 2014.
  • Since enrollment began on Oct. 1, in the cases where members have already made an active plan change, including subsidy application, we will honor those plan changes. This includes changes made on Member Services or through the Health Insurance Marketplace. You can revert back to your 2013 current plan if you choose. You will need to call Customer Service after Nov 30, at 1 (888) 206-4697 by Dec. 23.

Can I make changes to my current 2013 plan?

  • Unfortunately, you will not be able to make changes to your plan if it is renewed on 2013 benefits except for the following two exceptions:
    1. You can add or remove dependents.
    2. You can add maternity coverage. However, you will not be able to remove existing maternity riders.

Visit Member Services to make these changes. The deadline to make these changes effective on Jan. 1, 2014, is Dec. 23, 2013.

  • Any other benefits, such as change in deductible levels or removal of the maternity coverage will result in a loss of your plan renewal and will require you to switch to a new health care reform plan.

How long can I keep my current 2013 plan?

  • You can keep your plan until Dec. 31, 2014, at which point you will need to switch to a new 2015 health care reform plan. We will automatically map you to one of those plans during the Open Enrollment Period in October 2014.

What does this mean for the rate notice I received in mid-September? Is it no longer valid?

  • In early December, BCBSNC will send you a letter with your updated 2014 rate information. We will automatically renew you on your current 2013 plan unless you actively choose to make a change or have already made a change to your 2014 plan, in which case we will honor that change.
  • The plan and rate outlined in the September rate notice reflects the rate for a new 2014 health care reform plan. This plan is still available to you as well as other new 2014 plans. You can go to Member Services to select one of these plans and their corresponding rates if you choose. If you want to switch to a new plan, you will need to do so by Dec. 23, for a Jan. 1, 2014, effective date.
  • We know this may cause confusion, but we continually assess the state of the implementation of health care reform to provide the best options for our members. The decision to let members keep their plan resulted from the current challenges our members have faced in completing enrollment.

Can I still enroll in a new health care reform plan? What's the difference from my current 2013 plan?

  • Yes. There are many advantages to new ACA plans, including additional benefits and the possibility of a lower rate through subsidies.

How do I determine if I am eligible for subsidies?

  • Subsidies are available for low and middle income families to help lower the cost of your monthly premium. Subsidy eligibility and amounts differ based on your personal situation, where you live and the ages of your family members. Subsidies are only available to individuals who are ineligible for public coverage and unable to get qualified health insurance through an employer. Visit the Health Insurance Marketplace to learn more about subsidies.
  • You can log onto Member Services and use the subsidy calculator to determine if you are eligible for subsidies.
  • Whether or not you apply for a subsidy, the deadline to make changes or select a new plan is Dec. 23 for an effective date of Jan. 1, 2014.

How do I apply for subsidies?

  • Go to Member Services to estimate your subsidy and to choose the health care reform plan that best meets your family's needs. Follow the steps to connect to the Health Insurance Marketplace.
  • You will need to create an account on the Health Insurance Marketplace so you can input your personal data. This is a multi-step process that will take some time.
  • You may experience technical delays on the site or long wait times if you choose to call, so start the process as soon as possible to account for these delays.
  • We know this may be difficult and frustrating at times. Even with these potential delays, the deadline to complete your enrollment with subsidies is Dec. 23, for a Jan. 1, 2014, effective date.

I recently terminated my individual BCBSNC health insurance (Blue Advantage, Blue Advantage Saver, Blue Value, Blue Options HSA or Blue Assurance). Can I re-enroll in the plan I had before I terminated?

  • Yes, we may reinstate recently terminated members on an exception basis. To do so, call Customer Service after Nov. 30 at 1 (888) 206-4697 by Dec. 23.

Will my deductible and other benefits reset?

  • Yes, deductibles and other benefit accumulators will reset on Jan. 1, 2014, as they do every year.

I am new to BCBSNC. Can I enroll in a 2013 plan?

  • No, this offer is only available for existing members on Blue Advantage, Blue Advantage Saver, Blue Value, Blue Options HSA and Blue Assurance plans who had BCBSNC coverage on or before Oct. 1, 2013.

I still have questions. Who can I call to find out more info?

  • Call Customer Service at 1 (888) 206-4697 or your authorized local agent.

Contact Us

Questions? There are many new things you need to know and we want to help give you the answers.

Online Webinars:

We are hosting several webinars to help members understand their options. Register today!.

Member Services:

Visit Member Services to make changes to your current plan, enroll in an ACA plan and to estimate potential subsidies.

Call Us:

Call a Customer Service Representative at 1 (888) 206-4697, or contact your authorized local agent. You can also visit a local retail store location.

Not a Member?

Learn more about your next steps during health care reform.

1 This new option is permitted following President Obama's Nov. 14, 2013 announcement which allowed issuer's to offer a 2014 transitional policy and the subsequent approval of BCBSNCs offering by the North Carolina Department of Insurance.
2 Available only for specified individual members (subject to NCDOI approval), not those who have enrolled through an employer. Member must have coverage in effect on October 1, 2013, or before.
® SM Marks of the Blue Cross and Blue Shield Association (BCBSA). © 2013, Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. U9560c, 11/2013.