Short Term Health Insurance Coverage  
   
 
 
 
Short 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 expenses.

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 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.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.
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If you have any questions or would like more information, please contact us 828-256-3224, email us, or use our online request form.
 
   
 


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