Call Us! (704) 768-1888

Your Neighborhood BCBSNC Store in Charlotte, NC
Get Answers. Be Informed. In Person.



Healthcare Reform Changes to health insurance coverage are sweeping across the country, and BlueCross BlueShield of North Carolina®(BCBSNC) is here to help you navigate those changes and make sure you, your family, and your business are protected.

BCBSNCoffers comprehensive health insurance policies at all budget levels. The BCBSNC family of providers is one of the largest in the country, and you will probably find your favorite physicians are already a part of the company network.

With all the challenges facing employers and individuals these days, no one has time to become an insurance expert. You need an experienced team who can analyze the numerous options available and narrow them down to the ones that fit your specific needs. You will find that team at the BCBSNC Store in Charlotte!

New Hours: Effective Thursday, May 1


Monday - Friday 9am - 6pm
Closed Weekends


9325 Center Lake Drive
Charlotte, NC 28216
North Lake Commons

 

At the BCBSNC Store you can...

  • Get help finding the right BCBSNC health insurance plan for you:
    • Individual and Family Plans
      • Health Plans (including maternity options)
      • Dental Plans
    • Medicare Plans
      • HMO, PPO, PDP, Supplement and Dental
    • Group Plans
      • Health Plans
      • Dental & More Options
  • Talk to an agent about health care reform and how it affects you
  • Find out about BCBSNC member programs
  • Get answers about your policy or bill
 



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Call Us! (704) 768-1888

What does health care reform mean for individuals?

Health reform will bring a number of improvements and additional benefits for consumers - but at a cost. These changes look different for every consumer. Rates will be higher, but some customers will pay less than they do now. Some will pay more. Find out more about health care reform and how you can get the most benefit from the law.

Buying Insurance

The Affordable Care Act makes large, sweeping changes to the way health insurance is packaged, priced, and delivered.

Insurers may no longer rate people based on their health status and must meet certain pricing restrictions.

Exchanges will alter the way people without employer-sponsored coverage shop and compare health insurance plans.

Some of the changes will benefit some individuals and families, while others may experience an increase in insurance premiums.

In the Spotlight: ACA Insurance Reforms


Using Insurance

The Affordable Care Act includes a requirement that all non-grandfathered individual and small business insurance plans must cover a certain set of services within 10 categories established by the Institute of Medicine.

Though the 10 categories are dictated federally, the specific services that must be provided are determined at the state level by the selection of a benchmark plan. They include:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care
In North Carolina, the benchmark plan is a BCBSNC plan and covers a comprehensive set of services that all North Carolina health plans must now offer in the individual and small group markets.

In the Spotlight: Health Care Reform and Essential Health Benefits


Insurance Premiums

Premiums will increase for three reasons:

  • Adverse selection. The Affordable Care Act (ACA) limits how much premiums can vary based on a person's age or health condition, which means younger and/or healthier people will subsidize coverage for older individuals. This increases the likelihood that younger, healthier people may choose to pay the relatively low penalty and wait to purchase health insurance until after they get sick or injured, thus driving up costs for everyone else.
  • New taxes imposed by the ACA. The variety of new taxes ($8 billion in 2014, increasing to $14.3 billion in 2018) will be passed to the consumer through premium increases.
  • Additional benefits required by the ACA. Starting in 2014, all health insurance policies will be required to include new mandated benefits. This means millions of people will be required to purchase health insurance plans that are more comprehensive, and more expensive, than they currently have.


The Cost of Change



The Affordable Care Act (ACA) will be in full swing by January 2014, but many people still have questions about the ACA. This video explores the ACA's effect on health insurance costs and coverage, plus your options for finding the right health insurance plan.

Download "The Cost of Change" Article (pdf)

 

9325 Center Lake Drive
Charlotte, NC 28216
North Lake Commons

 
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Call Us! (704) 768-1888

What does health care reform mean for seniors?

Health reform will bring a number of improvements and additional benefits for consumers - but at a cost. These changes looks different for every consumer. Rates will be higher, but some customers will pay less than they do now. Some will pay more. Find out more about health care reform and how you can get the most benefit from the law.

Buying Insurance

Part D

Medicare Part D (the part of Medicare that covers prescription drugs) has famously had a coverage gap, or "doughnut hole,"" since it was established in 2003.

The coverage gap was when a beneficiary reached $2,830 in drug expenses and persists until $4,550, leaving many exposed to the high costs of needed medicine.

The Affordable Care Act took steps to close this gap by:

  • Issuing $250 rebate checks in 2010.
  • Planning for gradually reducing the coverage gap through discounts.
  • Creating a new, quicker process to make beneficiaries eligible for catastrophic coverage.
In the Spotlight: Health Care Reform and Medicare Part D

Medicare Advantage

Medicare Advantage (or Part C) coverage is a way of providing Medicare through a private insurer, usually covering more services than traditional Medicare Parts A and B.

The Affordable Care Act makes sweeping changes to reimbursement to Medicare Advantage plans, lowering reimbursement overall but providing bonuses for reaching certain quality ratings.

The health care reform law requires some preventive services, including an annual wellness exam, to be covered at no cost to the Medicare Advantage enrollee. BCBSNC provided no-cost wellness exams before the law was in effect.

In the Spotlight: Health Care Reform and Medicare Advantage

Using Insurance

Prevention

The Affordable Care Act does a lot to boost access to preventive services and encourage consumers to use them. Health care reform also requires that many preventive services be provided at no cost to the consumer, such as colonoscopies and contraceptive services.

In the Spotlight: Health Care Reform and Prevention

Pharmaceuticals

Pharmaceutical companies account for a growing portion of health care spending. Like all health sectors, the pharmaceutical industry is impacted by the Affordable Care Act.

Beginning in 2011, pharmaceutical companies that make brand name drugs will pay an annual assessment to help fund a portion of the health law (in 2012 and 2013 the aggregate fee was $2.8 billion).

In the Spotlight: The Pharmaceutical Industry

Medigap

Medigap coverage offers Medicare beneficiaries protection from the high out-of-pocket cost-sharing responsibilities for enrollees of Medicare Part A (hospital insurance) and Part B (medical insurance).

These plans typically cover people in rural areas without access to Medicare Advantage plans, no access to employer-sponsored retirement plans, and incomes too high for Medicaid to supplement Medicare. About 19% of North Carolina residents have this supplemental coverage.

The Affordable Care Act requires the National Association of Insurance Commissioners (NAIC) to review the two Medigap policies with first-dollar coverage for potential revision to include "nominal cost-sharing to encourage the use of appropriate physician services under (Medicare) Part B." The new benefit standards are to be made available beginning January 1, 2015.

In the Spotlight: Medicare Supplement


 

9325 Center Lake Drive
Charlotte, NC 28216
North Lake Commons

 
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Call Us! (704) 768-1888

What does health care reform mean for employers?

Health reform will bring a number of improvements and additional benefits for consumers - but at a cost. These changes looks different for every consumer. Rates will be higher, but some customers will pay less than they do now. Some will pay more. Find out more about health care reform and how you can get the most benefit from the law.

Buying Insurance

To encourage small businesses to offer health insurance coverage to their employees, the Affordable Care Act offers a temporary tax credit for some small employers.

There are threshold requirements for the employer’s contribution, the number of employees and the average salary. Small businesses’ insurance coverage is subject to other provisions of the law, such as Essential Health Benefits.

Qualifying small employers may draw the credit no more than two years and, beginning in 2014, can only access it through the Small Business Health Options Program (SHOP) Exchange.

In the Spotlight: Health Care Reform and Small Business Tax Credits

Using Insurance

The Affordable Care Act includes a requirement that all non-grandfathered individual and small business insurance plans must cover a certain set of services within 10 categories established by the Institute of Medicine.

Though the 10 categories are dictated federally, including things like maternity care and pediatric dental care, the specific services that must be provided are determined at the state level by the selection of a benchmark plan.

In North Carolina, the benchmark plan is a BCBSNC plan and covers a comprehensive set of services that all North Carolina health plans must now offer in the individual and small group markets.

In the Spotlight: Health Care Reform and Essential Health Benefits


Insurance Premiums

Premiums will increase for three reasons:

  • Adverse selection. The Affordable Care Act (ACA) limits how much premiums can vary based on a person's age or health condition, which means younger and/or healthier people will subsidize coverage for older individuals. This increases the likelihood that younger, healthier people may choose to pay the relatively low penalty and wait to purchase health insurance until after they get sick or injured, thus driving up costs for everyone else.
  • New taxes imposed by the ACA. The variety of new taxes ($8 billion in 2014, increasing to $14.3 billion in 2018) will be passed to the consumer through premium increases.
  • Additional benefits required by the ACA. Starting in 2014, all health insurance policies will be required to include new mandated benefits. This means millions of people will be required to purchase health insurance plans that are more comprehensive, and more expensive, than they currently have.


 

9325 Center Lake Drive
Charlotte, NC 28216
North Lake Commons

 
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Call Us! (704) 768-1888

Answers In Person

Visit our new store where our customer service representatives are here waiting to help. You can now get your member benefits, claims, and other questions answered face to face.

Store Hours
Monday - Friday: 9am - 6pm
Closed Weekends

Contact Us

Have a question? Please call 704.768.1888 or complete the form below and one of our customer service representatives will be happy to assist you!






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9325 Center Lake Drive
Charlotte, NC 28216
North Lake Commons

 
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© 2013, Blue Store North Lake is an independent authorized producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of Norch Carolina (BCBSNC). The content contained in this site is maintained by Blue Store North Lake. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. SM, ® Marks of the Blue Cross and Blue Shield Association U9210 / 5/2013.