Healthcare News & Stories

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) is taking steps to keep health care more affordable for North Carolinians with a modest rate increase for 2025 Affordable Care Act (ACA) plans. The North Carolina Department of Insurance (NCDOI) has approved a 3% average rate increase for individual customers and families enrolled in ACA plans through Blue Cross NC. This increase is less than half of the estimated national average rate increase of 7% for ACA Marketplace plans. “The average rate increase of 3% on our ACA plans is less than half the national average. We have worked hard to keep our ACA plans as affordable as possible, but we know any increase is too much for many families,” said Dr. Tunde Sotunde, President and CEO of Blue Cross NC. “The cost of health care – including prescription drugs – is still too high. It will take all of us, including health systems and pharmaceutical companies, to make health care more affordable.”

For Medicare, the Annual Enrollment Period for 2025 runs from October 15 to Dec 7, 2024. For individual and family plans, Open Enrollment starts November 1, 2024 and ends January 15, 2025. For more details about enrollment periods for 2025, feel free to reach out to one of our agents.

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Are you a senior enrolled in Medicare? Are you considering additional coverage options to help with your healthcare costs?  Recent research shows that more and more seniors are turning to Medicare supplement plans.  Also known as Medigap plans, these plans are specifically designed to help you fill in the gaps often left by traditional Medicare coverage.

A new concerning health insurance trend has emerged: unauthorized plan switching.  KFF Health News reports that this switching is happening with surprising ease in the 32 states that serve the Federal Marketplace. Customers find themselves enrolled in new plans without their knowledge or consent. The result? Profound implications for their financial well-being and;  Not being enrolled in the right plan to meet their healthcare needs.  

Medicare is undergoing a significant shift, bringing hope to millions of beneficiaries grappling with the high costs of prescription drugs.  The Inflation Reduction Act of 2022 has led to major changes in the Medicare Part D program, including a new prescription drug cap of $2,000. The Act focuses on reducing out-of-pocket patient expenses to curb Medicare's spending on prescription drugs. Let’s examine the changes, who will benefit, and when the new rules will take effect.

If you’ve just started researching health insurance coverage options, you’ll know that the industry can be complex. There are countless coverage options available at multiple price points.  Unfortunately, the confusion surrounding health insurance can sometimes lead to exploitation. We’ve seen operators selling inadequate health insurance products to customers throughout North Carolina that don’t deliver the benefits clients are promised.

In today's digital age, many Americans use technology to manage various aspects of their everyday lives, from buying groceries to sourcing financial advice.  With the rise of computer-generated assistants and helpful chatbots, saving time and using automated tools for the more complex things in life can be tempting - like finding the right health insurance coverage. But while you can enroll in a health insurance plan online, it's essential that you first understand your coverage options before choosing a plan.  When searching for the right health insurance for your health and budget, nothing beats getting advice from an experienced and knowledgeable health insurance agent. Particularly, one who specializes in understanding the needs of people like you who live in North Carolina.

Did you know that health insurance agents can help you sign up with Healthcare.gov at no cost? While online platforms make it easier to choose your healthcare plan, getting the right one and navigating the complexities of the various available policies can still be challenging. If you need help choosing the right health insurance, our experienced, knowledgeable, and local health insurance agents can help you - for free.

In a win for North Carolina residents, the NC Department of Insurance has approved a 4% average rate decrease for individual customers and families enrolled in Affordable Care Act (ACA) plans in 2024. This decrease will lower total premiums by an estimated $130 million, making quality healthcare more accessible for many North Carolinians.

The Centers for Medicare and Medicaid Services (CMS) has introduced changes this year to protect your information and reinforce consumer rights. The new requirements, which help ensure greater transparency when working with health insurance agents and brokers, are part of the 2024 Notice of Benefit and Payment Parameters (NBPP). What does this mean for you?

The Centers for Medicare and Medicaid Services (CMS) has introduced changes this year to protect your information and reinforce consumer rights. The new requirements, which help ensure greater transparency when working with health insurance agents and brokers, are part of the 2024 Notice of Benefit and Payment Parameters (NBPP). What does this mean for you?

Up until age 26, you can remain on your parent's health insurance plan. But turning 26 means it's finally time to sort out your own health insurance coverage. It’s important to make sure that you find a plan that meets your health needs, and that's within your budget. In this article, we'll help you find a plan that meets your lifestyle and give you plenty of information so you can make an informed choice.  At Health Plans of NC, we specialize in helping anyone from North Carolina find the right health insurance coverage. If you’re about to turn 26, here are our top recommendations for finding the right health insurance for you. 

The Centers for Medicare and Medicaid Services (CMS) have introduced new requirements that aim to protect consumer interests. The requirements, which help ensure greater transparency when working with health insurance agents and brokers, are part of the 2024 Notice of Benefit and Payment Parameters (NBPP). These enhanced consumer protections were introduced in response to various complaints and disputes about who can act on an individual’s behalf. The rules apply to all enrollments by agents, brokers, and web-brokers, regardless of which platform they use.

The U.S. Centers for Medicare and Medicaid Services (CMS) has recently released changes to how health insurance agents and brokers can market to customers. These changes aim to improve your experience when sourcing Medicare Advantage and Part D plans.  Ensuring agents and plan providers follow the new guidelines helps you to make a more informed decision about your coverage.

With the rate of obesity continuing to rise throughout the U.S., so too are the introduction of new and promising weight loss drugs, such as Ozempic, Wegovy, and Mounjaro.  While these weight loss drugs can be expensive, some employers are considering adding them to their employer-sponsored health plans. To support employees and help boost productivity, which can produce significant savings over the long term.

Life can be full of planned events and some that are a little more unexpected. If you're changing jobs or facing unemployment, and need to reconsider your health plan, our local North Carolina health insurance agents are here to help.  Our agents work hard every day to find clients a better deal than COBRA. So before you use COBRA, call us to see how we can help. 

Medicare Advantage continues to grow in popularity with Medicare beneficiaries. Data released in January 2023 by the Centers for Medicare and Medicaid Services shows Medicare Advantage provides coverage for just over half of all Medicare-eligible beneficiaries. So out of almost 60 million people enrolled in Medicare Part A and Medicare Part B, just over 30 million are enrolled in a private plan.

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

When you choose a Blue Cross NC Medicare plan, you have the freedom to make changes to your plan without underwriting. In addition, members can switch supplement plans at designated times throughout the year. If you live in North Carolina, find out more about how our local Medicare agents can help you get the best Medicare plan for your needs.

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.

When I was 26, I got sick, and I never got better.
Several years later, I still haven’t gotten used to living with a chronic illness. I’ve never had a moment of radical acceptance. I’ve never woken up and said, “Ah, yes, I get it now! This is all part of a grand plan! It all makes sense!”
What I have done is learned to live a meaningful life within my limitations. It didn’t happen overnight, but it did happen.

DURHAM, N.C. – In response to the winter storm affecting North Carolina, Blue Cross and Blue Shield of North Carolina (Blue Cross NC) is allowing early prescription refills to ensure that customers have access to the prescription drugs they need. This action is in effect for the entire state under a state of emergency declared today by Gov. Roy Cooper. Effective immediately, early prescription refills are available to customers in all 100 North Carolina counties until Gov. Cooper ends the state of emergency declaration. This policy also applies to Blue Cross NC members in other states of emergency, outside of North Carolina, connected to this winter storm.
“All North Carolinians should focus on protecting themselves and their families, without added stress,” said Blue Cross NC President and CEO Dr. Tunde Sotunde. “The procedures we have initiated will help our customers get the medications they need during and after the winter storm.”
Members with questions about their coverage may log in to their self-service portal at blueconnectnc.com to send a secure message or contact the customer service number on the back of their Blue Cross NC ID card. As the winter storm impacts the state, Blue Cross NC will continue to update customers through the company’s social media channels.

We’ve all heard people joke about their “OCD tendencies.” You might think of obsessive-compulsive disorder (OCD) as a mild problem, or even a helpful behavior for “neat freaks.” But the truth is that OCD is a serious behavioral health condition. It impacts nearly 1 in 40 (or 2 to 3 million) adults in the United States at some point in their lives. It can significantly impact a person’s relationships with others, their work or school, and their sense of self.
We talked with Dr. Patrick McGrath, Head of Clinical Services at NOCD to learn more about this behavioral health condition during COVID-19.
Q: What impact has COVID-19 had on people with anxiety and OCD?