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FAQs
Enrollment
How can I cover my newborn from birth?
How do I obtain coverage for my new adopted child?
How do I add or delete family members?
Can I cover a dependent who lives out-of-state or my child away at school?
How often can I change benefit plans?
How long can my children remain covered?
How long can my child be covered
if he or she has disabilities?
Q: How can I cover
my newborn from birth?
A: If you are adding a newborn child
to your coverage, you must notify your group administrator
or employer. For the newborn to be covered from birth,
please complete the proper form as soon as possible. If
you need to change your coverage type (for instance from
an Individual to a Family plan), you must notify BCBSNC
within 30 days. (NOTE: Some employer groups have opted
for a 60-day notice. Please review your Member Guide to
find out which guideline applies to you.)
Q: How do I obtain
coverage for my new adopted child?
A: If you are adding an adopted child
to your coverage, you must notify your employer or group
administrator, provide documentation of the adoption,
as needed, and complete the proper form. For the adopted
child to be covered from the date of placement in the
home, please complete the proper form as soon as possible.
If you need to change your coverage type (for instance
from an Individual to a Family plan), you must notify
BCBSNC within 30 days. (NOTE: Some employer groups have
opted for a 60-day notice. Please review your Member Guide
to find out which guideline applies to you.)
Q: How do I add
or delete family members?
A: If you are adding or removing a family
member to or from your health coverage, you should notify
your group administrator and complete any required forms
within 30 days of the event.
Note: When adding a dependent to your coverage, the proper
form must be completed within 30 days after the dependent
becomes eligible for coverage in order to be effective
on the date the dependent becomes eligible.
Q: Can I cover a
dependent who lives out-of-state or my child away at school?
A: Answers vary according to plan. For more information,
please visit the FAQs on your plan's Member page.
Q: How often can
I change benefit plans?
A: Many groups only offer one health
benefit plan. Groups offering more than one health benefit
plan may have an annual or open enrollment period in which
to change to a different benefit plan. Please contact
your group administrator for more information.
An open enrollment period is a period of at least 10 days
during which your employer will allow you to enroll or
to make changes/adjustments to your coverage. Open enrollment
periods are held once a year for those employer groups
that offer open enrollment. Review your Member Guide or
contact your Group Administrator for additional information
regarding plan changes.
Q: How long can
my children remain covered?
A: You or your spouse's unmarried dependent
children are eligible for coverage until their 19th birthday,
unless they are enrolled in a licensed or accredited school
as a full-time student. Most of our plans cover these
types of students until they are 26 years old. Please
review your Member Guide for your policy's age limit for
full-time students.
Q: How long can
my child be covered if he or she has disabilities?
A: An unmarried dependent child who is
either mentally retarded or physically handicapped and
incapable of self-support may continue to be covered under
the health benefit plan regardless of age 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 annually by
BCBSNC.
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