Federal Option

Here is how you can determine if you are eligible for the Federal Option:

You are eligible of Inclusive Health - Federal Option Coverage if you have been without creditable coverage for at least six months and…

You can answer YES to AT LEAST ONE of the following questions:

Your medical condition makes you “uninsurable.”
You have been refused or denied coverage for health reasons.
You have been offered coverage by an insurer with a conditional rider limiting coverage.
You have one of the Inclusive Health - Federal Option presumptive conditions which allows automatic enrollment.

You are eligible if you can answer YES to ALL of the following questions:

You are a legal U.S. resident.
You are a North Carolina resident.
You are not covered as a dependent.

Presumptive Conditions:

There are certain “Presumptive Conditions that will make you “automatically” eligible.

State Option

If you have had health insurance coverage in the last six months, you are eligible for the State Option:
You are eligible of Inclusive Health Coverage if you have a pre-existing condition and…

You can answer YES to AT LEAST ONE of the following questions:

1. You were rejected or refused coverage for health reasons by an insurance company.
2. You have been offered coverage by an insurer with a conditional rider limiting coverage.
3. Your current individual health insurance coverage is at a premium rate exceeding the Inclusive Health premium.
4. You were refused individual coverage by an insurance company except at a premium rate that is higher than the Inclusive Health rate.
5. You are eligible for or are enrolled in COBRA or state continuation and have an individual premium rate that is higher than Inclusive Health and answer “Yes” to at least one of numbers 1-3 or 6.
6. You have been diagnosed with a presumptive qualifying medical condition listed below.
7. You have had 18 months of continuous coverage and have exhausted COBRA coverage.
8. You are eligible for the Health Coverage Tax Credit (HCTC) for trade displaced workers under the TAA, ATAA or PBGC programs.

You are eligible if you can answer YES to ALL of the following questions:

• You are not Medicare eligible.
• You are not Medicaid eligible.
• You are a legal U.S. resident.
• You are a North Carolina resident.
• You or your spouse are not eligible for insurance at work.
• You are not covered as a dependent.

What to do if you need more information

As you can see, there is no need for despair.  Check with an authorized referring agent for Inclusive Health.  Inclusive Health has trained agents to help you with all the difficult to understand questions and procedures.  Using an agent doesn’t cost the applicant any extra money.  Inclusive Health pays the agent a small fee for helping you get insured.

Click on RichDayHealthPlans for assistance, or call: 1.888.759.1738

In most cases, the plan rates either decreased or remained the same.  The new rates along with the SilverSneakers partnership, competitively position BCBSNC in the Medicare supplement marketplace.

The new attained age rates, effective June 1, 2012, as well as the rates for the previous most popular “entry-age” plans are attached below. Most of the current customers enrolled on the “entry-age” plans will see a premium reduction.

Here is a PDF file that shows the new rates.

Inclusive Health was created for North Carolina residents looking for affordable coverage, but because of health issues, have not found it possible to get insured through traditional carriers.

There are two options available to you.  First, the Federal Option is for NC residents who have been without coverage for 6-months or more.  The Inclusive Health State option is for NC residents who have not gone 6-months without insurance coverage.  Each option has its own eligibility criteria.

Federal Option Eligibility Criteria:
You are eligible of Inclusive Health - Federal Option Coverage if you have been without creditable coverage for at least six months and…

You can answer YES to AT LEAST ONE of the following questions:

• Your medical condition makes you “uninsurable.”
• You have been refused or denied coverage for health reasons.
• You have been offered coverage by an insurer with a conditional rider limiting coverage.
• You have one of the Inclusive Health - Federal Option presumptive conditions which allows automatic enrollment.

You are eligible if you can answer YES to ALL of the following questions:

• You are a legal U.S. resident.
• You are a North Carolina resident.
• You are not covered as a dependent.

There is a list of conditions that automatically make you eligible for coverage.  These are generally more serious health conditions.  If you have one or more of those conditions, you are automatically eligible for coverage.

State Option Eligibility Criteria:
You are eligible of Inclusive Health Coverage if you have a pre-existing condition and…

You can answer YES to AT LEAST ONE of the following questions:

1. You were rejected or refused coverage for health reasons by an insurance company.
2. You have been offered coverage by an insurer with a conditional rider limiting coverage.
3. Your current individual health insurance coverage is at a premium rate exceeding the Inclusive Health premium.
4. You were refused individual coverage by an insurance company except at a premium rate that is higher than the Inclusive Health rate.
5. You are eligible for or are enrolled in COBRA or state continuation and have an individual premium rate that is higher than Inclusive Health and answer “Yes” to at least one of numbers 1-3 or 6.
6. You have been diagnosed with a presumptive qualifying medical condition listed below.
7. You have had 18 months of continuous coverage and have exhausted COBRA coverage.
8. You are eligible for the Health Coverage Tax Credit (HCTC) for trade displaced workers under the TAA, ATAA or PBGC programs.

You are eligible if you can answer YES to ALL of the following questions:

• You are not Medicare eligible.
• You are not Medicaid eligible.
• You are a legal U.S. resident.
• You are a North Carolina resident.
• You or your spouse are not eligible for insurance at work.
• You are not covered as a dependent.

As with the Federal Option, there is a list of conditions that automatically make you eligible for coverage.  These are generally more serious health conditions.

As an insurance agent, I am trained and authorized to help people obtain insurance coverage from Inclusive Health.  It won’t cost the applicant one cent extra to use a helpful agent who can make it much easier to get the insurance coverage you need at a price you can pay.  Give Rich Day at Rich Day Health Plans a call and ask him to help you with Inclusive Health.  Call Toll Free 1-888-759-1738

BCBSNC Online Newsroom: http://mediacenter.bcbsnc.com

For Immediate Release: March 16, 2012

BCBSNC Recognized as One of the World’s Most Ethical Companies by Ethisphere Award – given to only 145 companies worldwide – honors exceptional corporate responsibility and a strong culture of ethics

CHAPEL HILL, N.C. – Blue Cross and Blue Shield of North Carolina (BCBSNC) was recognized on March 15 as one of the World’s Most Ethical Companies in 2012 by Ethisphere Institute, a leading international ethics think-tank. Other companies honored on this year’s list include Microsoft, eBay and General Electric Company. BCBSNC is the only Triangle-based company, and one of only two from North Carolina, to make this year’s list. They include: General Electric, Manpower, Starbucks,Target, Ten Thousand Villages, Cisco Systems and Whole Foods.

“Every day BCBSNC’s 4,000 employees are focused on how our collective efforts as a company help improve North Carolina’s health care system,” said Brad Wilson, CEO and president of BCBSNC. “Receiving this high honor from Ethisphere excites all of us to push even harder for excellence and continue our work of doing the right thing for our customers and community.”

Thousands of companies, in more than 100 countries and 36 industries were nominated for this recognition. BCBSNC was one of 145 companies worldwide that received the award this year. To be recognized, companies must implement business practices and initiatives that raise the bar for ethical standards within their industry.

Ethisphere selects its winners by:

Reviewing companies’ codes of ethics, litigation and regulatory infraction histories.  Evaluating the investment in innovation and sustainable business practices.   Looking at activities designed to improve corporate citizenship Studying nominations from senior executives, industry peers, suppliers and customers

“As more and more organizations across the globe strive for this honor each year, BCBSNC’s inclusion as a World’s Most Ethical Company for 2012 demonstrates its industry-leading commitment to ethics and dedication to integrity,” said Alex Brigham, executive director of the Ethisphere Institute.

Read about the award’s methodology and view the complete list of the 2012 World’s Most Ethical Companies at http://ethisphere.com/wme.

About Blue Cross and Blue Shield of North Carolina

Blue Cross and Blue Shield of North Carolina is a leader in delivering innovative health care products, services and information to more than 3.6 million members, including approximately 900,000 served on behalf of other Blue Plans. For 78 years, the company has served its customers by offering health insurance at a competitive price and has served the people of North Carolina through support of community organizations, programs and events that promote good health. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. Visit BCBSNC online at bcbsnc.com.

About Ethisphere Institute

The research-based Ethisphere® Institute is a leading international think-tank dedicated to the creation, advancement and sharing of best practices in business ethics, corporate social responsibility, anti-corruption and sustainability. Ethisphere Magazine, which publishes the globally recognized World’s Most Ethical Companies Ranking™, is the quarterly publication of the Institute. Ethisphere provides the only third-party verifications of compliance programs and ethical cultures that include: Ethics Inside® Certification, Compliance Leader Verification™ and Anti-Corruption Program Verification™. The Institute’s premier membership group, the Business Ethics Leadership Alliance™, is a business ethics forum that includes more than 100 leading corporations, universities and institutions that collectively leverage their experience, expertise and innovative ways to address emerging compliance challenges.

More information on
the Ethisphere Institute, including ranking projects and membership, can be found at
http://www.ethisphere.com.
###

What are your options?

You can purchase a short term medical plan that will cover you for the 60 to 90 days as you wait to be covered on the company’s plan.  You don’t want to be without health insurance.  As you know, if you have an incident, you could bankrupt yourself in an instant.

There is always the hope that you will be able to be employed by another company that provide health insurance to their employees.  However, short-term medical insurance is relatively inexpensive and may provide what you need during the time that you search for a job.  You can get a quote from Rich Day Health Plans.   You can purchase a plan that provides coverage for 30-days or longer - the minimum coverage is 30-days.  There are no physical exams, you can apply online, and you can get insured by the next day.  That is very fast and efficient.

Another use for short-term medical insurance is for people who have lost their job and cannot afford a permanent plan.   Permanent plans cost more each month and have more benefits such as copays for doctors and drugs, but if you have lost your job, you, perhaps, should be covered for that catastrophic event.  Short-term medical is an excellent choice for an affordable catastrophic health plan.  You can get plans that will protect you for up to 6-months.

One of the files titled Blue Options 123 generally details benefits for non H S A plans.

This second PDF file pertains specifically to H S A preventive care benefits.

Following the guidelines described in these documents can save you money and unwanted financial surprises

• Net income margin of 3.2 percent in line with last year
• Medical spending at 85 cents on the dollar
• Company committed to new initiatives to bring quality care to customers statewide

Blue Cross and Blue Shield of North Carolina is a leader in delivering innovative health care products, services and information to more than 3.6 million members, including nearly 946,000 served on behalf of other Blue Plans. For over 78 years, the company has served its customers by offering health insurance at a competitive price and has served the people of North Carolina through support of community organizations, programs and events that promote good health. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. Access BCBSNC online at www.bcbsnc.com .

Inclusive Health also offers coverage to people who have exhausted their COBRA or state continuation coverage and cannot qualify for health insurance because of a pre-existing health condition.  If you have lost your job due to the effects of international trade, you may qualify under the Health Coverage Tax Credit (HCTC).

Inclusive Health is a non-profit corporation that is administered by an appointed board.  It is not part of any state agency, however.  The board together with does, however, report to the NC General Assembly.

What does this all mean to you?

It means that if you are burdened with a pre-existing health condition and cannot obtain health insurance from other carriers in NC, you can be be accepted by Inclusive Health.  There are two options available.  The State option is for people who have not had a lapse in their coverage from their employer plan, COBRA, or individual plan.  The Federal Option is for people who have been without coverage for 6-months or more.

The State option and the Federal option have different eligibility requirements, but their are very similar.  The Federal option is less expensive.

Rich Day Health Plans has been helping people get coverage from Inclusive Health for years now.  You can use Rich Day Health Plans as your agent to help you fill out the application, understand the terms, gather your required proof documents and run through the confusing maze of insurance.  There is no added charge if you use an agent.  People almost always choose to use an agent because it takes them less time and less work to get the job accomplished.

Don’t despair – you can very likely qualify for insurance from Inclusive Health.

Inclusive Health, was set up to provide insurance to people who cannot obtain coverage because of pre-existing conditions.  Later, they added the Inclusive Health - Federal Option.  The Federal Option is a less expensive plan dedicated to people who have been without creditable insurance for at leas 6-months.

Eligibility Requirements
Inclusive Health was created for North Carolinians with pre-existing conditions looking for more affordable health coverage. It includes two options, Inclusive Health - Federal Option is for people who have been without coverage for 6-months or more, and Inclusive Health - State Option is for anyone else. Each of these options has its own eligibility criteria.

Federal Option Eligibility
You have been without creditable coverage for at least 6-months and you can answer YES to AT LEAST ONE of the following questions:

• Your medical condition makes you “uninsurable.”
• You have been refused or denied coverage for health reasons.
• You have been offered coverage by an insurer with a conditional rider limiting coverage.
• You have one of the Inclusive Health - Federal Option presumptive conditions which allows automatic enrollment.

You are eligible if you can answer YES to ALL of the following questions:

• You are a legal U.S. resident
• You are a North Carolina resident.
• You are not covered as a dependent.

This is the list of “presumptive conditions”.

If you have been diagnosed with any of the following conditions, you will be automatically eligible for Inclusive Health plans.:

• AIDS/HIV
• Alcohol Addiction
• Alzheimer’s Disease
• Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease)
• Aneurysm
• Angina Pectoris
• Angioplasty
• Ankylosing Spondylitis
• Anorexia or Bulimia
• Aplastic Anemia
• Cancer(except skin) treated or diagnosed in past 5 years
• Cardiomyopathy
• Cerebral Palsy
• Chronic Obstructive Pulmonary Disease
• Chronic Renal Failure
• Chronic Pancreatitis
• Cirrhosis of the Liver
• Congestive Heart Failure
• Coronary Insufficiency
• Coronary Occlusion
• Crohn’s Disease
• Cystic Fibrosis
• Dementia
• Diabetes – Type I or Type II
• Emphysema
• Friedreich’s Ataxia
• Hemochromatosis
• Hemophilia
• Hepatitis C
• Hodgkin’s Disease
• Huntington’s Chorea
• Hydrocephalus
• Kidney Disease requiring dialysis
• Leukemia
• Lupus Erythematosus Disseminate
• Major Organ Transplant
• Malignant Lymphoma
• Malignant Tumors
• Melanoma
• Morto/ Sensory Aphasia
• Multiple or Disseminated Sclerosis
• Muscular Dystrophy
• Myasthenia Gravis
• Myocardial Infarction
• Myotonia
• Open Heart Surgery
• Paget’s Disease
• Paraplegia or Quadriplegia
• Parkinson’s Disease
• Polyarteritis (periarteritis nodosa)
• Polycystic kidney
• Primary Cardiomyopathy
• Progressive Systemic Sclerosis (Scleroderma)
• Psoriatic Arthritis
• Psychotic Disease
• Psychotic Disorder
• Raynaud’s Disease
• Rheumatoid Arthritis
• Schizophrenia
• Sickle Cell
• Stroke(CVA)
• Suicide Attempt
• Syringomyelia
• Tetralogy of Fallot
• Ulcerative Colitis
• Wilson’s Disease

As an agent, I can tell you that I have been very gratified working with Inclusive Health.  It really bothers me when I see people who cannot get health insurance because of pre-existing conditions.  The Federal Option premium rates are considerably lower than the State Option rates.  There should be no reason to go without health insurance and risking their financial future.  Inclusive Health is the solution for many people.

As you may know, you can go to inclusivehealth.org and apply online yourself.  However, since it doesn’t cost you even a penny more to use me as your agent, most people choose to work with me - it is just easier.   (I can help your other family members without pre-existing conditions obtain Blue Cross and Blue Shield of North Carolina health insurance, too.)

I make it simple for you because I have taken the training at Inclusive Health and I have successfully helped many, many individuals, with pre-exisiting conditions, get the coverage they need.  Visit RichDayHealthPlans.com now.

Don’t despair – you can very likely qualify for insurance from Inclusive Health. Inclusive Health, was set up January 1st, 2009 to provide insurance to people who cannot obtain coverage because of pre-existing conditions.

Eligibility Requirements
Inclusive Health was created for North Carolinians with pre-existing conditions looking for more affordable health coverage. It includes two options, Inclusive Health - Federal Option is for people who have been without coverage for 6-months or more, and Inclusive Health - State Option is for anyone else. Each of
these options has its own eligibility criteria.

State Option Eligibility

You are eligible of Inclusive Health Coverage if you have a pre-existing condition and…

You can answer YES to AT LEAST ONE of the following questions:

1. You were rejected or refused coverage for health reasons by an insurance company.
2. You have been offered coverage by an insurer with a conditional rider limiting coverage.
3. You have only been offered coverage at a premium rate that is higher than Inclusive Health’s rate.
4. You were refused individual coverage by an insurance company except at a premium rate that is higher than the Inclusive Health rate.
5. You are eligible for or are enrolled in COBRA or state continuation and have an individual premium rate that is higher than Inclusive Health and answer “Yes” to at least one of numbers 1-3 or 6.
6. You have been diagnosed with a presumptive qualifying medical condition listed below.
7. You have had 18 months of continuous coverage and have exhausted COBRA coverage.
8. You are eligible for the Health Coverage Tax Credit (HCTC) for trade displaced workers under the TAA, ATAA or PBGC programs.

You are eligible if you can answer YES to ALL of the following questions:

• You are not Medicare eligible.
• You are not Medicaid eligible.
• You are a legal U.S. resident.
• You are a North Carolina resident.
• You or your spouse are not eligible for insurance at work.
• You are not covered as a dependent.

This is the list of “presumptive conditions”.

If you have been diagnosed with any of the following conditions, you will be automatically eligible for Inclusive Health plans.:

• AIDS/HIV
• Alcohol Addiction
• Alzheimer’s Disease
• Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease)
• Aneurysm
• Angina Pectoris
• Angioplasty
• Ankylosing Spondylitis
• Anorexia or Bulimia
• Aplastic Anemia
• Cancer(except skin) treated or diagnosed in past 5 years
• Cardiomyopathy
• Cerebral Palsy
• Chronic Obstructive Pulmonary Disease
• Chronic Renal Failure
• Chronic Pancreatitis
• Cirrhosis of the Liver
• Congestive Heart Failure
• Coronary Insufficiency
• Coronary Occlusion
• Crohn’s Disease
• Cystic Fibrosis
• Dementia
• Diabetes – Type I or Type II
• Emphysema
• Friedreich’s Ataxia
• Hemochromatosis
• Hemophilia
• Hepatitis C
• Hodgkin’s Disease
• Huntington’s Chorea
• Hydrocephalus
• Kidney Disease requiring dialysis
• Leukemia
• Lupus Erythematosus Disseminate
• Major Organ Transplant
• Malignant Lymphoma
• Malignant Tumors
• Melanoma
• Morto/ Sensory Aphasia
• Multiple or Disseminated Sclerosis
• Muscular Dystrophy
• Myasthenia Gravis
• Myocardial Infarction
• Myotonia
• Open Heart Surgery
• Paget’s Disease
• Paraplegia or Quadriplegia
• Parkinson’s Disease
• Polyarteritis (periarteritis nodosa)
• Polycystic kidney
• Primary Cardiomyopathy
• Progressive Systemic Sclerosis (Scleroderma)
• Psoriatic Arthritis
• Psychotic Disease
• Psychotic Disorder
• Raynaud’s Disease
• Rheumatoid Arthritis
• Schizophrenia
• Sickle Cell
• Stroke(CVA)
• Suicide Attempt
• Syringomyelia
• Tetralogy of Fallot
• Ulcerative Colitis
• Wilson’s Disease

As an agent, I can tell you that I have been very gratified working with Inclusive Health.  It pains me to see people who really need insurance going without and thereby risking their financial future.  Inclusive Health is the solution for many people.

As you may know, you can go to inclusivehealth.org and apply online yourself.  However, since it doesn’t cost you even a penny more to use me as your agent, most people choose to work with me.  I can make it easy for you because I have taken the training at Inclusive Health and I have successfully helped many individuals with pre-exisiting conditions get the coverage they need. Visit RichDayHealthPlans.com now.