Healthcare News & Blog

Medigap Plan A is the most basic Medicare Supplement plan, covering core benefits at typically the lowest premium. While it helps with Part A and Part B coinsurance, it leaves you responsible for deductibles and other costs. Here's what you need to know.

When you're a part of an employer-sponsored high-deductible plan or health savings account plan, you might want to consider purchasing a High-Deductible Plan G supplement also known as a Medigap plan. This plan is similar to the High Deductible Plan F, but it doesn’t provide coverage for your Medicare Part B deductible. 

Perhaps more than any other industry, health care represents the collision of humanity and technology—nothing is more personal than our health care. But for many, determining the best option for care is an overwhelming process. Knowing when to seek care can be just as difficult as combing through the volume of medical information offered online. This can lead to people spending more time, more money and using more services across the health care system than necessary.
At Blue Cross and Blue Shield of North Carolina (Blue Cross NC), we are working to provide a more simplified health care experience for our members. By combining technology and human interaction, we’re helping members find the right resources for their care journeys.
High-Tech: Putting the Right Tools in the Hands of Members

The Medicare Annual Enrollment Period (AEP) is your yearly opportunity to review and change your Medicare coverage. With significant new benefits for 2026—including negotiated drug prices on 10 medications and a $2,100 out-of-pocket cap—this year's review is more important than ever.

Over 2.2 million North Carolinians are enrolled in Medicare. Whether you're newly eligible or looking to review your coverage, these frequently asked questions cover what you need to know about Medicare costs, enrollment, and coverage options in 2025-2026.

Medicare late enrollment penalties can add lifelong extra costs to Parts A, B, and D if you miss your Initial Enrollment Period without creditable coverage. Enroll on time, verify employer plans, and keep proof to avoid fees.

While the COVID-19 pandemic may have brought renewed urgency to the issue, the need for more cost transparency has long been part of the conversation about the future of health care. Beneath the partisan wrangling in Washington lies a serious issue. Not only is health care expensive, but it can be difficult for consumers to know just how much care costs until the final bill arrives. Managing medical costs starts with knowing what they are in the first place. At Blue Cross and Blue Shield of North Carolina, we support the concept of cost transparency. We’re leading the way in making it a reality, not only for our members, but for all North Carolinians.
Cost transparency at your fingertips
It’s hard to believe, but the cost for many common procedures can vary by thousands – in some cases tens of thousands of dollars – within the same city. When consumers don’t have easy access to this information, they are not only in the dark about the total cost of their care, but more importantly how much it will cost them out-of-pocket. A Blue Cross NC analysis showed that some North Carolinians will spend up to 25% of their take-home pay solely on medical expenses. That can be a massive financial burden for families to bear.An early innovator in cost transparency, Blue Cross NC launched a groundbreaking cost comparison tool in 2012 that enables members to compare cost and quality for common procedures before they make important care decisions. Just as consumers can shop for cars or smart phones by doing research before making a purchase, we’re empowering patients to be better informed health care consumers. When patients see that costs for the same surgery in the same area can vary by as much as $19,000, they realize they can choose more affordable options.[1] In 2015, we went a step further and made the tool available to all North Carolinians. Everyone in North Carolina, whether they are a Blue Cross NC member or not, can quickly search for common procedures like MRIs, knee replacements or mammograms and see how the cost compares between nearby providers.

Early retirement often disrupts employer health insurance, leaving you to fund coverage via COBRA, spouse plans, Marketplace subsidies, or short-term options until Medicare at 65. Our NC agents help find affordable solutions.

Understand the key differences between licensed health insurance agents and Marketplace Navigators to make an informed decision about who can best help you enroll in health coverage. This comprehensive comparison explores qualifications, training, services, and scope of support from each option. Learn when a licensed agent's personalized recommendations and ongoing support might be valuable, and when a Navigator's specialized Marketplace expertise and community-based assistance could be the right fit. Discover what services each can provide—from subsidy calculations and plan comparisons to post-enrollment support—and get practical guidance on choosing the assistance that matches your needs, preferences, and insurance goals. Both options are completely free to consumers.

Mental health professionals are in high demand right now. Given that we’re eighteen months into a deadly global pandemic, this is no surprise. Many of us are grieving the loss of loved ones, jobs, plans, and normalcy. And if that’s not hard enough, the stresses of our everyday lives haven’t stopped.
At Blue Cross and Blue Shield of North Carolina (Blue Cross NC), your total health is our top priority, now more than ever, including your mental and emotional health.
If you’re struggling with your mental health and need some extra support, you’re not alone. Studies show that the rate of anxiety and depression has risen significantly among American adults during the pandemic. And our children’s mental health is suffering, too.

It’s curious how well-versed we are in the physical benefits of hiking. The activity can:
Reduce the risk of heart disease
Reduce your risk of hypertension, or high blood pressure. (Hiking regularly has been shown to lower blood pressure by 4 to 10 points.)

In a tizzy over what to do for mom for Mother’s Day? It’s simple, really: she just wants to be with the family. And what better family activity is there, especially in spring, than taking a hike together!
Here are five hikes across the state that are especially good for a Mother’s Day outing. Included are the miles of trail available and a link for additional information.
1. Flower Hill Nature Preserve, Johnston County

Growing up I saw men in my family struggle with real emotions and avoid most deep conversations. I partly blame this on my Italian heritage, where men are expected to work hard, avoid feelings and push through pain. In my family, a man’s role was to provide and protect the family at all costs. If you showed any sign of weakness, that meant you were not in control.
As a kid I straddled two worlds: one trying to be the man that I thought was expected of me, and the other wanting to be able to express my feelings. I was an emotional kid, and I know it was hard for my dad to relate to me.
My emotions were all over the place:

We know racism and discrimination lead to health disparities and impact the health and safety of our employees, members and communities. Health inequity impacts all North Carolinians. North Carolina is consistently in the lower percentile of state health rankings. *Data shows our state’s health system ranked #36 of 50 states and #46 of 50 states for disparities. Think about that – #46 of 50 states. To ensure healthy communities for generations to come, we must work to transition from the bottom quartile to the top quartile.
At Blue Cross and Blue Shield of North Carolina (Blue Cross NC), we cannot fulfill our mission to improve the health and well-being of our customers and communities without explicitly addressing disparities and health inequities. While we’ve laid groundwork as a company on diversity, equity, and inclusion (DEI) efforts for more than a decade, our work does not stop.
Like many companies, this summer we released a message standing against racism. We commissioned an internal task force to think about what Blue Cross NC should and can be doing for:

It’s that time of year; flu season is upon us. That means flu shots.
Maybe you’re ready to go and are rushing to Target because they’re offering discounts to shoppers who get the flu shot as an incentive. Great! You know the importance of getting the flu shot, not just for yourself but for your loved ones, too.
But maybe you’re not so ready. Maybe you’ve heard something that’s swayed your opinion this year. Something that scared you or made you think twice. We get it. Every year rumors circulate about getting vaccinated, from the outlandish to the plausible. And it’s hard to know what’s true and what’s not, especially in this age of lightning fast communications.

The year was 1953 and Dwight D. Eisenhower was inaugurated as the 34th President of the US.
The world was introduced to “007” as the first James Bond novel was published, and Walt Disney’s animated film Peter Pan premiered in theatres.
In 1953, the coronation of Queen Elizabeth II occurred in Westminster Abbey, London, England. That same year, “TV Guide” published its 1st issue, featuring actors Desi Arnaz and Lucille Ball’s newborn son, Desi Arnaz Jr.

Getting married, moving to a new home, and adopting children are exciting events in your life. When these changes happen the last thing, you may think about is letting your health insurer know.  It’s important to let us know of these exciting events or other unexpected changes so we can make sure you have the right coverage and we’re able to send important communications to you.
Examples of changes you should report
A Change in Name:

“It’s a hundred degrees in the shade.”
It’s an old adage offered not literally, necessarily, but simply to convey that its one hot day. Lately, it’s been less adage than reality.
When the temperature stays this hot for this long, it’s hard to think about getting out for a hike. Unless you know where to go.

For the past few weeks, I’ve noticed that my neighbor seems, well, a bit off. Once talkative and outgoing, he is now reserved and disinterested. When we do speak, his comments reflect hopelessness.
These interactions are common. I now have similar conversations with coworkers, friends and family members. Although it’s certainly not all “doom and gloom,” my loved ones mention sleepless nights, invasive thoughts, loneliness – and yes, hopelessness.
Indeed, research shows that during times of crisis, the prevalence of anxiety and depression is expected to double. Those with pre-existing mental health or substance-related conditions are among the most vulnerable. People at higher risk for contracting COVID-19 (such as older adults or those with underlying health conditions) may also experience more worry.