We're breaking down the health insurance basics.
Because when you understand it, you're more likely to get preventive care, make better health decisions and even reduce your costs.
Everyone has questions about health insurance.
In fact, 52% of US consumers have what's called "low health care literacy."
That means trying to understand how health insurance works is frustrating for a whole lot of folks. And it can be a struggle to choose a health plan, manage doctor appointments and understand your medical bills.4
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Welcome to our virtual classroom.
We'll explore Health Insurance 101, give you some straight talk about costs, and hopefully, bring you a little clarity on how health insurance works.
The information shown here is for educational purposes. All health plans are not the same! It's important that you read the details of your own health plan or any plan you are thinking about buying.
What's driving the high cost of health insurance?
The Blue Cross Blue Shield Association says that 3 factors are driving up health care costs in the US:
- Prescription drug spending
- Treating chronic diseases and conditions, including arthritis, diabetes, cancer and obesity
- Poor lifestyle choices, including obesity, smoking and alcohol use
Blue Cross NC members have lots of questions, too. Here's what they ask about most:
Paying Insurance Bills
For many people, the bills that come with health care can be overwhelming. Here's what you need to know.
You and your health insurance company are partners working together to pay for your health care.
Where to Go for Health Care
Your experience – your time, cost and hassle – is very different based on where you go.
Still have questions? Blue Cross NC Centers bring the experts to you.
The friendly staff at our Blue Cross NC Centers can answer your health insurance questions online, over the phone or in person at our Raleigh, Charlotte and Boone locations.
The Point of Blue
Blog articles to help you better understand and control the cost of your health insurance.
The decisions you make now about your health can impact the rest of your life. You may skip annual health checkups and ignore minor health problems, but that can get worse and more expensive to treat over time.
It can feel as though health care costs are out of our control – and that’s because, a lot of the time, they are. However, that doesn’t mean that we can’t play an active role in reducing our health care costs. Here are five ways to save on your next health care expense.
What is a deductible? How do I find out what my copay will be? No matter how long you stare at your insurance EOB, or explanation of benefits, it’s likely you still don’t understand it.