It’s more important than ever to be a savvy health care consumer.  You can take charge of your health by knowing where your money goes and committing to live a healthier lifestyle. 

What we all pay out-of-pocket is a small percentage of the overall cost of health care.  BCBSNC continues to look for more ways to make health care less of a burden and more of an advantage. 

You can take your dollar further by enrolling in free and discounted programs:

• Improve your health and save money by joining Member Health Partnerships.  These programs offer special tools and savings to help you lose weight, manage stress, quit tobacco and manage a host of other conditions.
• You might be eligible for discount programs including chiropractic care, vitamins and supplements, vision and Lasik, hearing aids, and weight management.
• Enjoy Blue365 Discounts with savings from selected companies on healthy lifestyle products and services.

Stay in-network:  Visiting in-network health care providers save you out-of-pocket costs.  You can check out the online provider directory to see what doctors participate in our network and what deductible and coinsurance amounts may apply to your visit.

Save money with generic drugs:  Did you know that some drugs can cost 80 percent less than their brand-name counterpart?  Make a habit of asking your physician or pharmacist if a generic option is available.

The information above is brought to you from BCBSNC, A Guide to a Healthier You, 2009.

For more information on health insurance coverage in North Carolina and how to utilize My Member Services, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our qualified agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.

BCBSNC Sheds Light on Medical Costs

Insurer Publishes Typical Costs for Hundreds of Visits, Procedures and Diseases

Chapel Hill, N.C. (Jan. 17, 2008) – Blue Cross and Blue Shield of North Carolina (BCBSNC) is taking some of the mystery out of health care costs. BCBSNC, the state’s largest health insurer, is publishing online the average prices it pays statewide for physician office visits, diagnostic procedures and screenings, prescription drugs, and disease treatments. The Health Cost Estimator, now available to members at bcbsnc.com, includes one of the most comprehensive listings of total average costs related to diseases and conditions of any health insurance plan. Along with its effort to promote health cost clarity for its members, BCBSNC supports initiatives to increase the quality, safety and effectiveness of health care.

“Our Health Cost Estimator will give our customers a much clearer idea of where their health care dollar goes because the prices we pay translate to the premiums that customers pay.” said BCBSNC President and CEO Bob Greczyn. “Consumers are paying an increasing share of health care costs, but until now they’ve had little way of knowing what medical services actually cost.”

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Survey Shows Many Women Put Off Doctor Visits Because of Higher Health Care Costs

Dec. 2, 2008 — Almost half of women surveyed in a national poll said they had failed to seek health care for themselves or their families over the previous year because the cost was too high.

The annual survey of women’s attitudes and behaviors regarding health care, released today by the National Women’s Health Resource Center (NWHRC), found that women were most likely to put off doctor visits for themselves and least likely to put off doctor visits for their children. (more…)

Health Care Costs

Health Insurance Basics:
How Health Insurance Works

Health insurance companies use historical data and analysis to help predict the medical expenses for any given group of individuals (usually a company’s employees). The premiums they charge are based on the amount of claims they’ve paid in the past and what they expect future claims to cost. When insurers pay out more in claims than they receive in premiums and when future services are predicted to cost more, premiums go up. (more…)