Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

		Before you apply for health insurance with Blue Cross and Blue Shield of North Carolina®, we suggest you review the different plans offered and set some guidelines for your particular needs and requirements. Please click on the button to the left to review the chart and feel free to contact us with any questions you might have, at 1-800-280-2230.
If you would like an online health insurance quote for you and your family, please click on "Apply Now" below and fill out the form. We will contact to further discuss your application and finalize your application process. Thank you!