Short Term Care

Plan Summary »

Peace of mind
Coverage for life’s in-betweens

If you are looking for a flexible plan that covers you for a short period of time and offers you protection against unexpected health care expenses, consider our Short Term Health Care® plan. Short Term Health Care® offers a package of benefits similar in many ways to our standard health care plans. You’ll still have the security and stability you’re used to with your regular coverage. Additionally, you decide how long you’ll need the coverage—30, 45, 60, or 90 days.

Coverage options are 30, 45, 60, and 90-day

Protect yourself against unexpected health care expenses

Choose the deductible that’s right for you
Short Term Health Care® offers a choice of deductibles: $500 or $1,000. After meeting your deductible, Short Term Health Care® will pay 80% of the charges.1 If your out of pocket costs reach $1,000 per individual, per benefit period, or $2,000 per family, Short Term Health Care® will pay 100% of the charges up to $2 million.1

Choice of deductibles -- $500 and $1,000

Up to $2 million in covered charges

Reliable customer service
No-hassle eligibility

You and your dependents are eligible for Short Term Health Care® if you are:

A North Carolina resident

Under age 65

Not on Medicare or Medicaid

Additionally, you must qualify medically and not have enrolled in Short Term Health Care® policy in the past 12 months. Because Short Term Health Care® is intended to meet only short term needs, your policy is not renewable.

Rapid application processing

You can choose any date to be your effective coverage date on your application, so long as it is not sooner than the day after your application is postmarked or submitted online and no later than 30 days from the signature date on the application.

For faster coverage, apply online today.

Short Term Health Care® offers a package of benefits similar to Blue Cross and Blue Shield of North Carolina’s (BCBSNC) standard health care plans. Members determine how long they will need coverage—30 days, 45 days, 60 days or 90 days.

Short Term Health Care® offers a choice of deductibles: $250, $500 or $1,000. After meeting the deductible, Short Term Health Care® will pay 80% of the charges incurred by the member.1 If out-of-pocket costs2 reach $1,000 per individual per benefit period, or $2,000 per family, Short Term Health Care® will pay 100% of the member’s charges, up to $2 million.1

An applicant can choose any date to be the effective coverage date on the application. Coverage can be effective as soon as the day after the application is mailed. Since Short Term Health Care® is intended to meet only short term insurance needs, the policy is not renewable.
Applicants who need more than 90 days of coverage should consider a Blue Advantage plan in conjunction with the Short Term Health Care plan®. Blue Advantage is the most popular individual plan in the state. 3 BCBSNC can coordinate this coverage, so the Blue Advantage coverage will begin when the Short Term Health Care® expires. Applicants will need to apply for Short Term Health Care® and Blue Advantage®coverage separately.

To be eligible for Short Term Health Care®, applicants must be residents of North Carolina, under age 65, not eligible for Medicare or Medicaid and not enrolled in a Short Term Health Care® policy in the last 12 months.

® mark, SM marks of the Blue Cross and Blue Shield Association. SM1 mark of Blue Cross and Blue Shield of North Carolina.

Based on established provider’s reasonable charges for covered services.

Your deductible, amounts exceeding allowed amounts, and charges for noncovered services do not apply to your out-of-pocket maximum. On a family certificate, no more than three family members have to satisfy their deductible during each benefit period. There is a waiting period for pre-existing conditions. Blue Cross and Blue Shield of North Carolina defines pre-existing conditions as those conditions for which medical advice, diagnosis or treatment was received or recommended within 12 months of the date that your coverage under Short Term Health Care becomes effective. For costs and further details of the coverage, including exclusions, any reductions or limitations, and terms under which the policy may be continued in force, see your agent or write to the company. Your actual expenses for covered services may exceed the stated coinsurance percentage or copayment amount because actual provider charges may not be used to determine the payment obligations for BCBSNC and its members.