Your Health

Open Enrollment for 2016 has now closed.

To qualify for individual health insurance, a Special Enrollment Period or Qualifying Life Event must apply.

Special Enrollment Period - loss of group health coverage, new to North Carolina, age off of parents plan at age 26

Qualifying Life Event - gaining a dependency by marriage, birth or adoption

For more information, please contact your local NCFB agent.

Health Care Reform FAQ's:

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What is the Affordable Care Act?


(ACA) The law intended to address issues with our health care system by increasing access to health insurance, introducing reform and improving quality. Also referred to as the Patient Protection and Affordable Care Act (PPACA).

When can I enroll?


Open Enrollment is November 1, 2015 - January 31, 2016.

Can I still enroll if I have a pre-existing condition?


Yes, being sick does not keep you from getting coverage. Insurance companies can no longer rate or decline you based on health.

Why should I have coverage?


Health insurance not only helps you when you get sick, it also offers benefits such as first dollar preventive care for 10 minimum essential benefits. It also covers some health screenings, vaccines, and regular check-ups.

2016 Compliant Plans Must Include 10 ESSENTIAL HEALTH BENEFITS

  • Ambulatory patient services
  • Emergency Services
  • Hospitalization
  • Maternity and newborn care now automatically covered
  • Increased benefits for mental health and substance use disorder services including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

What if I can't afford health insurance?


There are 2 different types of government subsidies to help you pay for health insurance in 2016. Contact a local agent for help in determining if you qualify.

President's Message

Larry B. Wooten, President, North Carolina Farm Bureau "No partnership is better equipped to successfully navigate health care reform than the partnership between North Carolina Farm Bureau and Blue Cross Blue Shield of North Carolina.
Our qualified and professional agents are well-positioned to provide answers to your questions."
NCFB President Larry Wooten