Blue AssuranceSM
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Our comprehensive major medical plan for individuals
Blue Assurance gives you “no-hassle” eligibility with benefits similar to Blue Cross and Blue Shield of North Carolina’s (BCBSNC) standard plans.1, 2 Get the convenience of our large network, plus a wide variety of health benefits and services. Doctor visits, preventive and emergency care, hospital stays, prescription medication, maternity care, inpatient and outpatient surgical care, physical therapy and more are included.3, 4, 5
Blue Assurance offers you three deductible options: $100, $500 or $1,000. When you’ve met the deductible, BCBSNC pays 80 percent of your covered services. Once the individual coinsurance maximum of $2,500 is met, your benefits are paid at 100 percent of covered services for the rest of the benefit period (up to a $500,000 lifetime maximum).6, 7 And with BCBSNC’s Family plan, you can have a maximum of three individual deductibles allotted each year.
To be eligible for Blue Assurance, you must be a resident of North Carolina, under 65, and not covered under any other health care coverage, excluding Medicaid.
1 Other individual policies are available. If you feel you may qualify for one of these products, please call your local agent. These programs require a formal health appraisal process known as medical underwriting.
2 Your coverage will be effective at least 30 days, but no more than 60 days, after the date the application is signed.
3 Maternity coverage is available to all adult female members; maternity benefits for dependent children cover only treatment for complications of pregnancy.
4 Inpatient mental health and substance abuse care is covered at 50% after your deductible is met and limited to a $10,000 lifetime maximum per member, provided in all places of service. Mental health and substance abuse care is also limited to $2,000 per benefit period, per member, provided in all places of service. Skilled nursing facility care is limited to 60 days per benefit period. Short-term therapy is limited to 30 visits per benefit period for speech therapy and 30 visits per benefit period for combined physical therapy and occupational therapy.
5 Skilled nursing facility care is limited to 60 days per benefits period. Short-term therapy is limited to 30 visits per benefits period for speech therapy and 30 visits per benefits period for combined physical therapy and occupational therapy.
6 Your actual expenses for covered services may exceed the stated coinsurance percentage because actual provider charges may not be used to determine the health benefits plan’s and member’s payment obligations.
7 Your deductible does not apply to your coinsurance maximum. Mental health, substance abuse and prescription drug charges also do not apply to your coinsurance maximum. There is no family coinsurance maximum. Each individual covered under the policy must meet his or her own coinsurance maximum.
Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. SM Mark of the Blue Cross and Blue Shield Association.
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Morrow Insurance Agency, Inc.
800 Beverly Hanks Centre
Hendersonville, NC 28792
828-694-5182
800-228-3132
fax: 828-693-5567
Della Rogers is an independent authorized producer licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Morrow Insurance Agency, Inc. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association®. Blue Cross and Blue Shield of North Carolina products can be only sold to those residing in North Carolina. ® Registered mark of the Blue Cross and Blue Shield Association