Term Health Insurance Coverage
Blue Cross and Blue Shield of North Carolina® offers short
term health insurance coverage for up to 90 days. The benefits
of Short Term Health Insurance coverage are
very similar to the benefits that are offered with the other
standard group and individual plans. Members can choose how
long they will need short term health insurance coverage. Plans can cover you for
30, 45, 60 or 90 days. Short Term Health Insurance Coverage also known
as Temporary Health Insurance is a way for people between
job positions, people working part time, recent college
graduates, among other similar situations, to have health
insurance coverage they need to feel secure. Short Term
Health Insurance Coverage is a quick and simple resolution for people
who are temporarily without health insurance coverage.
Short Term Health Coverage insures people when unexpected
illness or accidents occur. However, Short Term Health
Insurance Coverage does not cover prior health conditions and doctor
visits. Short Term Health Insurance is affordable coverage
that will meet your needs temporarily.
To be eligible for Short Term Health care, applicants should
be a resident of the state of North Carolina, 65 years old
or younger, and not be eligible for Medicare or Medicaid.
Applicants should also not be enrolled in any other short
term health coverage within the last year.
Usually during the time in between coverage, many people
just simply go without health coverage, however do not take
that chance. Protect yourself against unexpected health care
Click for more about Short Term Health Coverage >>
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: $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
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.1 Based on
established provider’s reasonable charges for covered services. 2
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.
If you have any
questions or would like more information, please contact us
us, or use our online request form.