Tag Archives: ACA

BCBC-NC 26% rate increase filed for 2016 marketplace plans!

10 Jun , 2015,
jtdickerson
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The biggest health insurance news in North Carolina this week is the recent press around Bluecross Blueshield of North Carolina filing a BCBS-NC 26% rate increase for 2016 ACA plans. A detailed overview of these filings can be viewed at at www.ratereview.healthcare.gov or by clicking here.

Who will this affect? These rate increases will likely affect all North Carolina residents who have an ACA compliant plan purchased on or off the marketplace.

BCBS-NC rate increase 2016

Rate increase got you down? Click to compare plans!

However, it is important to note that the “26% rate increase headline number” is simply an average increase across all areas. Some areas may see increases that are lower or possibly higher. In addition, it is important to note that the Blue Select products are only anticipating a 17.72% rate increase, on average, for 2016. It is also important to note that these rate increases have NOT YET been approved. CMS and the NC Department of Insurance will need to review and approve these filings before they take effect on January 1st, 2016.

How do these 2016 BCBS-NC rate increases compare to the competition?

Aetna (the parent company of Coventry) have filed increases on their various ACA compliant plans ranging from 17.23% to 25.78%.

United Healthcare has filed for a 2016 rate increase of 12.48%.

In addition, as previously reported by www.NChealthconnector.org, Humana is expected to enter the North Carolina health insurance marketplace for 2015. This additional competition could be great news for many North Carolina residents!

Stay tuned to NChealthconnector.org for the latest North Carolina health insurance news! Need to get enrolled? We can help!

 

 

Bluecross Blueshield North Carolina 2015 ACA rates.

23 Oct , 2014,
jtdickerson
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Bluecross Blueshield North Carolina 2015 ACA rates.

According to various sources around the web, Bluecross Blue Shield North Carolina on Wednesday released some limited rate information or 2015 marketplace health insurance plans.

The headline number for this story is that rates will rise “more than 13 percent on average”. Of course, that does not tell the entire story. As we recently saw in South Carolina , rate increases for ACA plans offered on the exchange will fluctuate quite a bit between different regions. We do not expect every Bluecross Blueshield customer to receive a 13% increase. Rates will vary across regions, as North Carolina has 16 distinct rating regions, each with differing rate increases. In addition, different types of plans will receive different increases:

Bluecross Blueshield of North Carolina 2015 ACA rate increase

Rate increase got you down? Click here to shop for a lower price!

Bluecross yesterday provided only one scenario of how rates would increase next year. For a 45-year old nonsmoker, the monthly premium rate would increase 15.6 percent – from $364.39 to $421.32 – on one of the most popular individual plans Blue Cross sold in Raleigh through the federal marketplace – a Silver plan.

Keep in mind, however, rate increases for Bronze and Gold plans will change by different amounts. We have also been told certain plans in specific areas may actually decrease a bit – stay tuned for more!

Of course, most North Carolina residents will also be able to choose a marketplace plan from Unitedhealthcare for 2015, as well as Coventry Healthcare in certain areas!

Our takeaway? If you need the most robust network options for North Carolina in 2015, Bluecross Blueshield of North Carolina may be your best bet. However, if you are willing to change doctors to accept an HMO or Tiered network structure, you may be able to save some money.

Beginning November 15, North Carolina residents can view 2015 rates and apply online from our frontpage (click the Blue button!).

 

 

Get Obamacare: Video Tutorial Series

16 Dec , 2013,
jtdickerson
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Do you need help with www.healthcare.gov. We can show you how to get Obamacare NOW! Today we begin the first in a series of videos designed to help you get started with the enrollment process at www.healthcare.gov. Today’s video will show you the process used to create your account at healthcare.gov and verify your identity at www.healthcare.gov.

 

As your #1 North Carolina Obamacare Agent we are committed to helping North Carolina residents find the best, most affordable coverage for your unique situation. As a licensed health insurance agent/broker for over 10 years, we have the experience needed to help you make the right decision. Many North Carolina residents will qualify for lower costs on their health insurance premiums through healthcare.gov. The first step to finding your health insurance coverage for 2014 is to create an account at create an account at healthcare.govcreate an account at healthcare.govhealthcare.gov. Not sure which plan to choose? Contact us today, and we can help you determine if you may qualify for a health insurance tax credit to lower your costs!

Why create your account at healthcare.gov?

By creating your account at healthcare.gov, you are just minutes away from determining if you qualify for a premium tax credit to help get Obamacare. Many North Carolina residents who apply through healthcare.gov may also qualify for cost sharing subsidies. These tax credits and cost sharing reductions are only available for health insurance plans purchased through healthcare.gov. We can help you with the process! Get started today by watching our video and create your healthcare.gov account!

 Is it safe to get Obamacare at healthcare.gov?

After the SC Department of Revenue breach to our south in 2012, it is understandable that many NC residents are wary of their online privacy. While many people are worried about the security of their information at healthcare.gov, we would like to point out that identity theft happens all over the internet. If you use popular services such as Facebook, Google, or online banking, chances are your information is already readily available on the internet. We recommend everyone who uses the internet on a daily basis be wary of their personal information safeguards, use strong passwords, clear your browser cache regularly and use 2-step authentication where possible. As an online health insurance agent, I use a variety of security methods such as encryption, 2 step authentication, virus protection and strong passwords to ensure HIPPA compliance and my own personal data security.

North Carolina Obamacare Agent – YOU need one!

9 Oct , 2013,
jtdickerson
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During the first week of open enrollment for the Affordable Care Act, the Federal Health Insurance Marketplace has had a rocky start, to say the least. As your trusted North Carolina Obamacare Agent, we are continuously checking the status of the enrollment portal at www.healthcare.gov, as well as keeping an eye out for any pertinent news regarding open enrollment. Recently, while perusing the news, we found a particularly disturbing article from CNBC.

You can read the original article here. On Friday, CNBC reported that as many as 99% of Obamacare enrollment applications contain enough information for the insurance carrier to process the application! Another insurer reported that approximately half of all applications received did not have enough information to process the enrollment. Don’t let this happen to you!

This is why you need a North Carolina Obamacare Agent!

As your North Carolina Obamacare Agent, our agency tracks every application to ensure that your enrollment is complete! Sure, you could go to healthcare.gov and enroll on your own – but why risk not having insurance on January 1st? As your North Carolina Obamacare Agent, we have the knowledge, resources and experience to help ensure that your health insurance enrollment application is complete!

North Carolina Obamacare Agent helps get you approved!

North Carolina Obamacare Agents must be CMS certified before helping consumers apply for Obamacare plans. North Carolina Obamacare Agents must complete assigned training and pass exams before they may assist individuals with an application, plan selection, and enrollment through a Federally-facilitated Marketplace.

North Carolina Obamacare Agent vs. Navigators

Navigators may help you navigate the Federal Marketplace. By law, the Affordable Care Act forbids navigators from actually recommending what specific health plan or coverage people should purchase. Navigators are only allowed to help people understand their options and they’re banned from receive compensation from insurers, as North Carolina Obamacare Agents can.

North Carolina Obamacare Agents are not only certified by the Federal Government, but also licensed, trained, and appointed with each insurance company they represent. This relationship ensures that your North Carolina Obamacare Agent has a professional working knowledge of the plans they represent.

67 Qualified Health Plans offered in North Carolina for 2014

29 Sep , 2013,
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NC DOI officials have approved 67 on exchange health plans for North Carolina’s Federally Facilitated Marketplace, opening on October 1, 2013.

Health insurance plans will be offered by 3 companies:

Bluecross Blueshield of North Carolina – 26 plans in all 100 counties.

Coventry Healthcare of the Carolinas – 25 plans in various metro areas.

FirstCarolina – 16 plans in six counties: Lee, Moore, Richmond, Hoke, Montgomery and Scotland.

Read more here: http://www.newsobserver.com/2013/08/01/3076016/nc-officials-approve-67-subsidized.html#storylink=cpy