Wilmington North Carolina Health Insurance by Blue Cross and Blue Shield of North Carolina
Call the professionals with Sheffield Insurance Agency. We are an independent Wilmington North Carolina health insurance agency for Blue Cross and Blue Shield of North Carolina.
Individual & Family
Under 65 Call Ronald Sheffield at 910-686-8761
Open enrollment ends January 15, 2023.
Broad Statewide Network with most provider choice.
Blue Advantage gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals. BLUE ADVANTAGE offers:
- More than 97% of doctors and 99% of the hospitals in North Carolina are in-network
Limited Statewide Network with lower cost
Blue Value is a good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network. The network is statewide, making it easy to get in-network care if you travel or have a child away at college.
BLUE VALUE offers:
- A limited statewide network for savings
- Network includes, but is not limited to, CaroMont Health, Frye Regional, New Hanover Regional, Novant Health, UNC Health Alliance and Wake Forest Baptist Health
Local Network using Atrium Health and it’s affiliates
Blue Local with Atrium Health is a good option if you wish to get care from Atrium Health (and its affiliated doctors and hospitals). Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.
BLUE LOCAL with Atrium Health offers:
- Atrium Health’s smaller, local network of hospitals and providers
- A provider network that includes Atrium Health Levine’s Children’s Hospital, which is nationally ranked in seven specialties;14 Carolinas Medical Center, the region’s only Level 1 trauma center, which was named the “Best Hospital” in the Charlotte metro region for the third straight year,15 and more than 200 primary care and urgent care locations
Local Network using Wake Forest Baptist Health and it’s affiliates
Blue Local with Wake Forest Baptist Health is a good option if you wish to get care from Wake Forest Baptist Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same system, it’s easier for them to work together on your behalf.
BLUE LOCAL with Wake Forest Baptist Health offers:
- Wake Forest Baptist Health’s local network of hospitals and providers
- A provider network that includes Wake Forest Baptist hospital, an academic medical center, four community hospitals, Brenner Children’s Hospital, more than 300 primary care and specialty clinics, and one of only 49 comprehensive cancer centers in the country
Blue Home with UNC Health Alliance is a good option if you wish to get care from UNC Health Care’s provider network, UNC Health Alliance, and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
BLUE HOME with UNC Health Alliance offers:
- UNC Health Alliance’s network of hospitals and providers, including over 860 primary care providers
- A provider network that includes UNC Medical Center, nationally ranked in 5 adult and 7 pediatric specialties by U.S. News, along with UNC Rex, rated by U.S. News as high performing in 9 adult procedures and conditions
Subsidies
To assist in making health insurance more affordable, the federal government offers financial assistance, also called subsidies, to individuals and families who qualify based on their income and household size. Our Subsidy estimator tools will allow you to estimate whether you and/or your family would be eligible for a subsidy. The same tool allows you to apply for a subsidy through the Health Insurance Marketplace.
To qualify for a subsidy under health care reform, you must:
- Be between 100% and 400% of the Federal Poverty Level (FPL).
- Not be eligible for public coverage, such as Medicaid, the Children’s Health Insurance Program (CHIP), Medicare, or coverage through the armed services.
- Other factors may apply.
Blue Medicare Supplement
Over 65 Call Diane Sheffield at 910-686-8762
Open enrollment ends December 7, 2022.
Blue Medicare SupplementSM from Blue Cross and Blue Shield of North Carolina
For North Carolina Beneficiaries Enrolled in Both Medicare Part A and Part B
Original Medicare only covers some of your medical costs. That’s why Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers reliable Medicare Supplement plans to help lessen the worries over what Medicare doesn’t cover. Choose from a variety of Blue Medicare Supplement plans to find the plan that best fits your needs and your budget.
With Blue Medicare Supplement, You’ll Enjoy:
- Coverage for the costs not covered by Original Medicare (Parts A and B)
- The freedom to see any Medicare-participating provider nationwide
- Rates as low as $36.50*
- Flexibility to change plans
- A healthy aging and exercise program
- A program for significant savings on hearing aids
Footnote: *Example for a female non-smoker, age 65. Premium rates can vary based on a number of factors. Contact Blue Cross NC or your authorized agent to learn more.
Medicare Supplement Plans from Blue Cross NC
Blue Medicare Supplement plans provide savings for more than 232,000 North Carolinians across our state.* As North Carolina’s preferred health insurer,** people depend on Blue Cross NC's large network of providers and more than 88 years of experience to provide the knowledge and expertise they need, right in their own backyard.
Footnotes: *232,000; Blue Cross NC internal data for Medicare Advantage, Medicare Supplement and stand-alone Part D as of September 2021. **Blue Cross NC Brand Tracking Study; Ipsos; July 2021.
Blue-to-BlueSM : Flexibility to Change
With some insurers, you can get locked into a plan that may not be right for you. But thanks to our exclusive Blue-to-Blue program, if your needs change over time, Blue Cross NC gives you the flexibility to switch Medicare plans.*
- Without additional medical exams
- Without underwriting or additional health questions
- Without any hassle
Footnote: *Blue-to-Blue is only available when you switch from one Blue Cross NC Medicare plan to another Blue Cross NC Medicare plan. You may only switch during designated times of the year. Certain other limits apply. Contact the plan or your Authorized Agent for more information.
Guaranteed Acceptance
You cannot be turned down for Blue Medicare Supplement, and may not have to complete a medical questionnaire, if you meet the following criteria:
- You are age 65 or older, or under age 65 and are eligible for Medicare due to disability*
- You enroll within six months of enrolling in Medicare Part B
- You are not covered by certain Medicaid programs
- You are a resident of North Carolina
Footnotes: *Guaranteed acceptance is limited to Plan A and Plan G for those under age 65 who have Medicare due to disability.
No Waiting Periods
If you enroll early, you may be eligible for a Medicare Supplement plan without waiting periods for pre-existing conditions. If you wait until after your deadline to enroll, you may have a waiting period for pre-existing conditions.
Stay Healthy With Silver&Fit®
Most Blue Medicare Supplement plans include our healthy aging and exercise program, Silver&Fit. Enjoy a low-cost fitness membership at a fitness facility near you, or enroll in the Home Fitness Program and exercise in the comfort of your own home.*
Disclaimer: *The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). The program is not part of a member’s policy or benefits, and is not available on our Plan G-HD. All programs and services are not available in all areas. Please make sure to talk to a doctor before starting or changing an exercise routine. Silver&Fit, Fit at Home and the Silver&Fit logo are trademarks of ASH. Other names or logos may be trademarks of their respective owners. Home kits are subject to change. Not all YMCAs participate in the network. ASH does not offer Blue Cross NC products or services. Not connected with or endorsed by the U.S. government or the federal Medicare program.
TruHearing Program®
TruHearing covers one hearing aid per ear per year for a low copay of $699 per TruHearing Advanced hearing aid or $999 per TruHearing Premium hearing aid. Also, as part of the program, a TruHearing provider will help you choose the best hearing aid for your lifestyle and unique hearing needs.*
Disclaimer: *TruHearing is a registered trademark of TruHearing, Inc. TruHearing is an independent company and does not offer Blue Cross NC products or services. This program may change or be discontinued at any time.
Ready to Get Started? Learn More About Blue Medicare Supplement
Get Started Now
- View the Blue Medicare SupplementSM brochure
- View the Blue Medicare SupplementSM Outline of Coverage brochure
Notes:
- For costs and further details of the coverage, including exclusions, any reductions or limitations, and terms under which the policy may be continued in force, contact your agent or the company.
- Plan A: BMS A, 12/18; Plan G: BMS G, 12/18; Plan G-HD: BMS HDG, 12/18; Plan K: BMS K, 12/18; Plan N: BMS N, 12/18.
- Sheffield Insurance Agency is an independent authorized Agent/Agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Agent/Agency. Neither Blue Cross NC nor its agents are connected with or endorsed by the U.S. government or the federal Medicare program.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) provides free aids to service people with disabilities as well as free language services for people whose primary language is not English. Please contact 1-800-478-0583 (TTY: 711) for assistance.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) proporciona asistencia gratuita a las personas con discapacidades, así como servicios lingüísticos gratuitos para las personas cuyo idioma principal no es el inglés. Llame al 1-800-478-0583 (TTY: 711) para obtener ayuda.
Caution: Policy benefits are limited to those approved by Medicare for payment.
BLUE CROSS®, BLUE SHIELD®, the Cross and Shield symbols, and service marks are marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other trade names are property of their respective owners. Blue Cross NC an independent licensee of the Blue Cross and Blue Shield Association. U4093, 12/21
Dental & Vision
Take away the financial pain of going to the dentist with the best dental insurance plan in North Carolina.
Sheffield Insurance Agency is very pleased to introduce you to an exceptional dental insurance plan available for NC residents that offers the added ease and convenience of an online quote and online application. Blue Cross® and Blue Shield® of North Carolina® Dental Insurance
This plan is loaded with popular dental benefits your family needs:
- Go to any dentist you choose. There are no “in network” limitations.
- Coverage for routine check-ups, diagnostic or preventive services.
- Comprehensive coverage for everything from teeth cleaning to extractions, crowns, bridges, and dentures.
Do it all online! It’s easy!
- Get detailed facts about this special dental insurance plan for NC residents.
- Get a free, no-obligation online quote.
- Submit a simple, online application.
- Enjoy instant on-line approval.
- Convenient online payment by credit card, check or automatic check withdrawal.
- Print out your complete policy information.
- You can be covered by the next “eligibility date.”
Questions? Call the friendly professionals at Sheffield Insurance Agency, your independent North Carolina health agency. Our goal is to provide you with exceptional customer service.
Contact Us
Sheffield Insurance Agency
7658 Market St Suite B
Wilmington, NC 28411
Under 65 Phone: 910-686-8761
Over 65 Phone: 910-686-8762
Email: customerservice@sheffieldins.net