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Blue Cross Blue Shield of North Carolina Authorized Agent

"The Largest Insurer in North Carolina with 3.6 million insured."

Individual North Carolina Health Insurance Plan
Blue Advantage – Blue Options HSA
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Experience the Difference - NC Health Insurance Agent
 

Experienced insurance agents who can assist you with making the right choice for yourself and your family.

Plans with convenient copayments for doctor visits, emergency room services, urgent care, physicals, and more.

Blue Advantage offers the largest network of doctors and hospitals in North Carolina.

You are covered throughout the United States and in more than 200 countries and territories worldwide.
 

FAQs

Apply Online  |  Approvals & Referrals  |  Claims | Complaints & Appeals  |  Customer Service  |  Emergency Care  |  Enrollment  |  General Coverage Info  |  ID Cards  | 
Pharmacy  | Physicians & Other Providers  |  Travel Coverage

Apply Online Q: How can I change my application after I've submitted it?
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?
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?
A: It generally takes about 30 days to process your application, though processing time can vary. If you need immediate Blue Advantage coverage, please consider applying for Short Term coverage, as well. Short Term coverage can be effective as soon as the day of or the day after you submit your application.

Q: Is my information secure?
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.

Q: Will I need to provide any additional information after submitting my application?
A: BCBSNC will contact you if we need any additional information. Depending on many factors, BCBSNC may ask for a simple health screening to be conducted by a licensed examiner. In some cases, BCBSNC 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?
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?
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 Short Term, Dental and Blue Advantage?
A: At this time, you must fill out a separate application for each plan - one for Short Term, one for Dental and one for Blue Advantage. You can apply for each of the plans online and sumit your applications electronically.

Q: What should I do if I'm having problems downloading the completed application report?
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?
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?
A: For additional assistance with your application, call 800-914-4220, Monday through Friday from 8:00am to 6pm to speak with a Customer Service representative.

Q: Where can I go to learn more about BCBSNC health plans?
A: For more information about BCBSNC health plans, visit our online Shopping section.

Q: How should I select an effective date for coverage to begin?
A: You should select the coverage period that best suits your health coverage needs. The effective date varies depending on the plan you choose:

Short Term Health Care coverage
Choose your own effective date, which can be as soon as the day after you mail your application, the day after submitting your application online or the date that you choose as long as it is not 30 days past your signature date.

Dental Blue
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.

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

Q: What is maternity coverage?
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?
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?
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?
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?
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 does "Full-Time Student" mean?
A: To be classified as a full-time student, the dependent child must be unmarried, age 19 -26, and attend a licensed or accredited school as a full-time student according to the school's policies.

Q: What are all the health questions used for?
A: These questions are used by BCBSNC to medically evaluate your application.

Q: What is the "Hint Question & Answer" for?
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?
A: An e-mail address is required in order to receive your password upon correctly answering the hint question for verification purposes.

Q: How should I select my "Coverage Period" for Short Term insurance?
A: You should select the coverage period that best suits your health coverage needs.

Q: What are the different Coverage Types?
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. Children age 19-26 must be full-time students at an accredited university. Handicapped children of any age may be declared as dependents.

Q: How long is my "free-look" period?
A: For Blue Advantage, Blue Dental, and Short Term coverage, you have a 10-day "free-look" period. For 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?
A: The claim will not be paid. You will be responsible for the total charge of the bill(s).


BlueChip Insurance Agency is an independent authorized producer/agency licensed to promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by BlueChip Insurance Agency. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ® Registered mark of the Blue Cross and Blue Shield Association

BlueChip Insurance Agency - Blue Cross and Blue Shield Authorized Group Health and Life Insurance Agent in Wilmington, North Carolina (NC).

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