Greensboro, NC Health Insurance
In 2008, 4% of men in Greensboro, NC were employed by the healthcare industry. 13% of women in Greensboro were also employed in healthcare. Based on my,
back of the napkin math, it is unlikely that the median cost per household for health insurance in Greensboro is greater than 8.5%. I found this number by averaging
13% and 4% and assumed that male and female employment numbers were roughly equal and that the average salary for the healthcare industry in Greensboro was
average for the region. My conclusion is that healthcare costs in the region do not negatively impede it's economic growth. This conclusion is based on the idea
that the cost of health insurance for the Greensboro NC region does not exceed the income derived from the employment of workers in the healthcare industry. This
does not even include health insurance agents and the economic benefit of risk pooling they provide. Nor does it include the positive economic effect of longer
lifespans and higher quality of life, which the healthcare industry promotes.
Still, health insurance in Greensboro North Carolina is as difficult an issue as anywhere in the country right now. Typically, it is least expensive for an individual to
secure health insurance through an employer. This is not because rates are lower, on the contrary, in my experience, in Greensboro and elsewhere, group health
insurance tends to be more expensive than individual health insurance. This is because group health insurance is guaranteed issue. Even if you have a serious
illness, group policies are required to accept you. Also, group health insurance policies in North Carolina are only allowed to vary their final rates by plus or minus
25% from the base, or middle rate. By limiting the variability of rates, the average rates are pushed higher because the policy is guaranteed issue.
Many employers in Greensboro have been decreasing dependent benefits in an attempt to keep health insurance costs under control. In many cases, the
employee's premium is covered at 50-100% by the employer, while dependent premiums are passed onto the employee without any employer subsidy. When I
encounter cases like these in Greensboro NC residents, I often recommend that the spouse and children apply for an individual health insurance policy to save
money. The general rule of thumb is that group policies tend to be less expensive for those with more expensive health issues. Individual policies tend to be less
expensive for those in optimal health. This is because individual health insurance policies have greater rating flexibility in Greensboro, allowing them to issue
higher premiums for policy holders who are anticipated to be more expensive. Individual health insurance policies also have the option of declining applicants.
Currently, declined applicants insurer of last resort in Greensboro NC is the NC risk pool called Inclusive Health. This is a guaranteed issue health insurance policy
for those who are unable to secure insurance elsewhere.
In 2008, 4% of men in Greensboro, NC were employed by the healthcare industry. 13% of women in Greensboro were also employed in healthcare. Based on my,
back of the napkin math, it is unlikely that the median cost per household for health insurance in Greensboro is greater than 8.5%. I found this number by averaging
13% and 4% and assumed that male and female employment numbers were roughly equal and that the average salary for the healthcare industry in Greensboro was
average for the region. My conclusion is that healthcare costs in the region do not negatively impede it's economic growth. This conclusion is based on the idea
that the cost of health insurance for the Greensboro NC region does not exceed the income derived from the employment of workers in the healthcare industry. This
does not even include health insurance agents and the economic benefit of risk pooling they provide. Nor does it include the positive economic effect of longer
lifespans and higher quality of life, which the healthcare industry promotes.
Still, health insurance in Greensboro North Carolina is as difficult an issue as anywhere in the country right now. Typically, it is least expensive for an individual to
secure health insurance through an employer. This is not because rates are lower, on the contrary, in my experience, in Greensboro and elsewhere, group health
insurance tends to be more expensive than individual health insurance. This is because group health insurance is guaranteed issue. Even if you have a serious
illness, group policies are required to accept you. Also, group health insurance policies in North Carolina are only allowed to vary their final rates by plus or minus
25% from the base, or middle rate. By limiting the variability of rates, the average rates are pushed higher because the policy is guaranteed issue.
Many employers in Greensboro have been decreasing dependent benefits in an attempt to keep health insurance costs under control. In many cases, the
employee's premium is covered at 50-100% by the employer, while dependent premiums are passed onto the employee without any employer subsidy. When I
encounter cases like these in Greensboro NC residents, I often recommend that the spouse and children apply for an individual health insurance policy to save
money. The general rule of thumb is that group policies tend to be less expensive for those with more expensive health issues. Individual policies tend to be less
expensive for those in optimal health. This is because individual health insurance policies have greater rating flexibility in Greensboro, allowing them to issue
higher premiums for policy holders who are anticipated to be more expensive. Individual health insurance policies also have the option of declining applicants.
Currently, declined applicants insurer of last resort in Greensboro NC is the NC risk pool called Inclusive Health. This is a guaranteed issue health insurance policy
for those who are unable to secure insurance elsewhere.
1 Refers to Plan A, Preferred Tier, policy form number M58, 7/07
2 BCBSNC does not administer your HSA and is not affiliated with your HSA custodian or administrator. Your HSA custodian is Mellon Trust of
New England, N.A.
3 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov for specific regulations.
4 Blue Cross and Blue Shield of North Carolina Internal Data, 2009: Based on Blue Advantage $2,500 deductible with 80% coinsurance and
Blue Options HSA $2,000 deductible with 80% coinsurance. Pricing is for a single male, age 40-44, residing in Wake County.
5 Includes in-network annual routine physical exam, well-baby and well-child care and certain immunizations and screenings. Other covered
services may be subject to deductible and coinsurance. Members who receive covered services out-of-network may be required to pay the
difference between the provider's actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount.
6 Based on "2008 Medicare Supplement Insurance Exhibits," published in 2009 by the National Association of Insurance Commissioners
(NAIC), as supplied by Mark Farrah.
7 This is only a summary of benefits describing the policies' most important features. The policy is the insurance contract. You must read the
policy itself to understand all the rights and duties of both you and your insurance company. These policies may not fully cover all of your
medical costs. Neither Blue Cross and Blue Shield of North Carolina nor its agents are connected with Medicare.
8 If you are out of the country more than 60 days, then there is no coverage.
9 For entry age plans the following applies: When you enroll you will lock in your entry age forever as long as you stay in the Medicare
supplement plan that you initially chose. Any rate adjustments will only be due to medical inflation or overall claims experience. Rates are
subject to change but you alone will not be singled out for premium increases based on your health or age. Rates are subject to change June
1st of each year and are guaranteed for 12 months. Any change in your rate will be preceded by a 30-day notice.
10 Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician
within six months before the effective date of coverage. If enrollees wait until after the deadline to enroll they may have a waiting period for
pre-existing conditions and may have to complete a medical questionnaire.
11 You cannot be turned down for Blue Medicare Supplement with BCBSNC if you meet the following: you're eligible for Medicare; you enroll
within six months of enrolling in Medicare Part B; you're a resident of North Carolina; and you're not covered by certain Medicaid programs.
12 When you enroll in an attained age plan, your initial rate may be lower than the rate of an entry age rated plan, and your rates will increase
as you age, due to your age.
U3812, 10/08
2 BCBSNC does not administer your HSA and is not affiliated with your HSA custodian or administrator. Your HSA custodian is Mellon Trust of
New England, N.A.
3 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov for specific regulations.
4 Blue Cross and Blue Shield of North Carolina Internal Data, 2009: Based on Blue Advantage $2,500 deductible with 80% coinsurance and
Blue Options HSA $2,000 deductible with 80% coinsurance. Pricing is for a single male, age 40-44, residing in Wake County.
5 Includes in-network annual routine physical exam, well-baby and well-child care and certain immunizations and screenings. Other covered
services may be subject to deductible and coinsurance. Members who receive covered services out-of-network may be required to pay the
difference between the provider's actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount.
6 Based on "2008 Medicare Supplement Insurance Exhibits," published in 2009 by the National Association of Insurance Commissioners
(NAIC), as supplied by Mark Farrah.
7 This is only a summary of benefits describing the policies' most important features. The policy is the insurance contract. You must read the
policy itself to understand all the rights and duties of both you and your insurance company. These policies may not fully cover all of your
medical costs. Neither Blue Cross and Blue Shield of North Carolina nor its agents are connected with Medicare.
8 If you are out of the country more than 60 days, then there is no coverage.
9 For entry age plans the following applies: When you enroll you will lock in your entry age forever as long as you stay in the Medicare
supplement plan that you initially chose. Any rate adjustments will only be due to medical inflation or overall claims experience. Rates are
subject to change but you alone will not be singled out for premium increases based on your health or age. Rates are subject to change June
1st of each year and are guaranteed for 12 months. Any change in your rate will be preceded by a 30-day notice.
10 Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician
within six months before the effective date of coverage. If enrollees wait until after the deadline to enroll they may have a waiting period for
pre-existing conditions and may have to complete a medical questionnaire.
11 You cannot be turned down for Blue Medicare Supplement with BCBSNC if you meet the following: you're eligible for Medicare; you enroll
within six months of enrolling in Medicare Part B; you're a resident of North Carolina; and you're not covered by certain Medicaid programs.
12 When you enroll in an attained age plan, your initial rate may be lower than the rate of an entry age rated plan, and your rates will increase
as you age, due to your age.
U3812, 10/08
Greensboro, NC Health Insurance Quotes from Blue Cross Blue Shield of North Carolina
Blue Options HSA sm
Blue Advantage ®
Medicare only covers a portion of your medical costs. But with
Blue Cross and Blue Shield of North Carolina, the state's largest
Medicare supplement insurer,6 you can stop worrying about the
costs that Medicare doesn't cover with our Blue Medicare
Supplement plans.7
plans (A-D, F, High Ded F, L and N) and attained age plans (G, K
and M).12 When you enroll in an entry age plan, you lock in your
entry age forever. That means your plan won't increase due to
age.9
Blue Cross and Blue Shield of North Carolina, the state's largest
Medicare supplement insurer,6 you can stop worrying about the
costs that Medicare doesn't cover with our Blue Medicare
Supplement plans.7
- You can see any Medicare-participating doctor that you
want - Easy to use and virtually no claims to file
- You're covered in case of an emergency8
- Enroll early and lock in your entry age with most plans9
- Enroll early without a waiting period for pre-existing
conditions10 - Enroll early for guaranteed acceptance11
plans (A-D, F, High Ded F, L and N) and attained age plans (G, K
and M).12 When you enroll in an entry age plan, you lock in your
entry age forever. That means your plan won't increase due to
age.9
Goebelt
Insurance
Services, Inc.
Services, Inc.
Where Integrity Matters
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| Rate Quotes (under 65) |
| Blue Advantage®, Blue Advantage Saver sm, and Blue Options HSA sm |
| Compare Blue Advantage® Plans A, B, and C |
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The most popular PPO plan from Blue Cross Blue Shield of
North Carolina
North Carolina
Blue Options HSA sm pairs a high deductible health plan (HDHP)
with a health savings account (HSA) to achieve lower premiums
and savings as much as 34% off Blue Advantage.2, 3, 4 Preventive
care services cover policy holders at 100% including routine
physicals and screening tests.5
with a health savings account (HSA) to achieve lower premiums
and savings as much as 34% off Blue Advantage.2, 3, 4 Preventive
care services cover policy holders at 100% including routine
physicals and screening tests.5
Blue Advantage offers 3 plan types which allow you to select the
benefits and deductible that works best for your situation, with
costs as low as $15 for office visit co-payments and $10 for
generic prescription drugs.1
benefits and deductible that works best for your situation, with
costs as low as $15 for office visit co-payments and $10 for
generic prescription drugs.1
Goebelt Insurance Services, Inc. and David Goebelt are an independent authorized agency/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 Goebelt Insurance Services,
Inc. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Goebelt Insurance Services,
Inc. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
Blue Cross Blue Shield of North Carolina's high-deductible
health plan (HDHP)
health plan (HDHP)
| David Goebelt Authorized NC Agent 800-918-1158 |
Blue Medicare Supplement sm
Health care coverage for Medicare beneficiaries
Health care coverage for Medicare beneficiaries
Blue Advantage Saver sm
| Rate Quotes (Medicare Beneficiaries) |
- Limited doctors office copayments if you don't need to visit
the doctor as often. - Monthly premium savings.
- More choices in how you pay for office visits and
prescriptions.
A plan featuring more cost saving options
Greensboro North Carolina Blue Cross Blue Shield of North Carolina Health Insurance Quotes
Medicare Advantage
Medicare advantage rate quotes, brochures and applications can
only be sent by postal mail due to regulatory requirements. Click
the link below to request a medicare advantage information
packet with brochure, guide, and application. Medicare advantage
Medicare advantage rate quotes, brochures and applications can
only be sent by postal mail due to regulatory requirements. Click
the link below to request a medicare advantage information
packet with brochure, guide, and application. Medicare advantage