Category: Insurance Education

  • Distinguishing Between an HSA and FSA: Understanding the Difference

    Distinguishing Between an HSA and FSA: Understanding the Difference

    We all know that there are many choices to be made when it comes to enrolling in an insurance plan. Do I want to stay on my current plan or should I make a switch? What is the best plan for me? Do I enroll into a Versatile Financial Savings Account (FSA), or a Health Financial Savings Account…

  • Anticipating Parenthood? Ask Your Insurer These Questions in Advance

    Anticipating Parenthood? Ask Your Insurer These Questions in Advance

    A child costs more than $20,000. This is about the cost of a year’s tuition at a public university. Despite the fact that medical insurance and health care are expensive, not having coverage can be disastrous. The insurer can negotiate with suppliers to reduce the cost of medical insurance. After a member has paid their…

  • Telehealth Explained: Physicians Answer Your Questions on Virtual Care

    Telehealth Explained: Physicians Answer Your Questions on Virtual Care

    Many people in the country are receiving medical attention almost. Our members are now more than ever connecting with their doctors via video or telephone. Blue Cross and Blue Defend of North Carolina wants to help our members stay healthy and receive the care they need. This includes covering digital doctor visits as if they were in-person,…

  • Medicare Choices: The Hidden Costs of Low Premiums

    Medicare Choices: The Hidden Costs of Low Premiums

    I saw a comic-book illustration of an older patient being examined by his doctor. The doctor said, “I want to take your blood pressure… so try not to be interested in your medical insurance premiums.” It was such a perfect line. I laughed a bit. If you mention Medicare premiums, I guarantee that the person you are…

  • The Importance of Health Insurance and Your Available Options

    The Importance of Health Insurance and Your Available Options

    You never plan on getting sick or having a medical problem. When the unexpected happens, medical insurance will give you peace of mind. Health insurance is also a good way to maintain your health. Those with medical insurance tend to go for routine checkups or care when something seems off. Here are a couple of stories from…

  • Prevention is Worth More Than a Pound of Health Care

    Prevention is Worth More Than a Pound of Health Care

    Normally, grades are not considered to be a life or death issue. There are some report cards that can have serious consequences for many thousands of people. Let’s just say that there is a lot of room for improvement in North Carolina’s health grades. The varied 2020 health report cards show a variety of areas that…

  • Specialty Pharmacies: Enhancing Care to Support the Management of Your Condition

    Specialty Pharmacies: Enhancing Care to Support the Management of Your Condition

    Accessing affordable, high-quality care and medications is one of the biggest challenges in managing power sickness. Specialized medication is usually required for persistent ailments. These drugs are expensive and complex. These drugs require more oversight and administration compared to other prescriptions. Unfortunately, these drugs are not available in every pharmacy. Specialty pharmacies offer them instead.…

  • 6 Health Insurance Tips to Save Time, Money, and Stress

    6 Health Insurance Tips to Save Time, Money, and Stress

    Our clients often ask us for advice on how to use their health insurance more effectively or find a better way to access the help they need. We know that navigating health care and insurance can be difficult and we are trying to make it easier. Learn Your Profit Booklet The booklet will be mailed to…

  • The Advantages of Telehealth Services

    The Advantages of Telehealth Services

    Blue Cross and Blue Defend North Carolina will expand digital access to health care providers on March 6, 2020 in accordance with COVID-19. Blue Cross NC will cover digital visits including those made by phone, in accordance with a member’s health plan. COVID-19 is in effect as of March 6,2020. The measures have been extended until July 31,…

  • Understanding Medical Insurance: A Guide for Clarity

    Understanding Medical Insurance: A Guide for Clarity

    Para asegurarnos de que entiende su plan, a continuacion resumimos los terminos mas comunes que suelen confundir a nuestros afiliados. Primas, beneficios y servicios del seguro medicoCuando se inscribio en su plan de seguro medico, acepto pagar una cuota mensual a Blue Cross NC. Esta cuota mensual se denomina la prima del seguro medico. Los…