NC Health Insurance applicants May Appeal Blue Advantage Final Rates - By: Brian Thacker, Posted on: 2006-04-19

Most residents of North Carolina who apply for individual health insurance apply
for the innovative Blue Cross Blue Shield North Carolina (BCBSNC) Blue
Advantage medical insurance plan. The Blue Advantage insurance plan is a PPO
health insurance plan in North Carolina that individuals and families subscribe
to for quality medical insurance and benefits if they don't have health
insurance provided for them through their job. Applicants that have no health
issues get extremely low rates and a good value for their health care dollars.
Blue Advantage applicants with health problems may have their insurance premium
increased to an unacceptable level after Blue Cross Blue Shield NC issues final
rates.

Everyone qualifies for Blue Cross Blue Shield of North Carolina's Blue Advantage
insurance plan, but if an applicant has health problems, they may not be able to
afford the coverage. These final insurance rates are subject to appeal if the
applicant thinks there has been an error in medical underwriting. If
applicants have a North Carolina health insurance agent like these at
http://www.thackeragency.com, just contact your agent and they would be happy
to walk you through the appeals process.

If the applicant would like to do the appeal on his or her own, the steps are
outlined here. The Blue Advantage applicant must first contact BCBSNC customer
service by fax or by phone to ask for the reasons that their premium was
increased. Blue Cross Blue Shield North Carolina (BCBSNC) must supply the
specific reason that they raised the applicant's Blue Advantage insurance rate.
Since this information is confidential, Blue Cross needs to speak directly with
the applicant requesting the information.

If there is a descrepancy in the information BCBSNC sends to the applicant about
the reasons why they raised the rates, the NC health insurance applicant must
start the formal appeals process by written request from this point within 90
days. The applicant must also submit the past 5 years of doctors' records
along with the written request that prove Blue Cross Blue Shield North Carolina
(BCBSNC) made an error in their underwriting.

Blue Cross of NC does make mistakes in underwriting, but they are willing to
offer an appeal if the applicant believes BCBSNC is wrong. Under these
circumstances it is best to seek the advice of a North Carolina health
insurance agent so that all of the applicant's insurance options are
considered.

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