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Health Insurance in Greensboro North Carolina
| Rate Quotes |
| Compare Blue Advantage® and Blue Options HSA sm |
| Compare Blue Advantage® Plans A, B, and C |
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| Frequently Asked Questions |
Greensboro, NC Health Insurance Quotes from Blue Cross Blue Shield of NC
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
Blue Cross and Blue Shield of North Carolina's
high-deductible health plan (HDHP)
high-deductible health plan (HDHP)
- Low premiums, easy payment options
- Checkups and cleanings covered twice a year
- No deductible and no waiting for preventive services
- Coverage for fillings, gum treatments, crowns and more
- Choose your own dentist
- Coverage for you and your family
Quality coverage for individuals and families
The most popular PPO plan from Blue Cross Blue Shield
of North Carolina
of North Carolina
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.
1 Refers to Plan A, Preferred Tier, policy form number M58, 7/07
2 Blue Cross Blue Shield of NC (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 (BCBSNC) 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 Blue Cross Blue Shield NC (BCBSNC) allowed amount, in addition to the coinsurance amount.
2 Blue Cross Blue Shield of NC (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 (BCBSNC) 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 Blue Cross Blue Shield NC (BCBSNC) allowed amount, in addition to the coinsurance amount.
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.
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.
| David Goebelt Authorized NC Agent 800-918-1158 |