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Enrollment and Eligibility
1.  Who is eligibility for Community College Student Health?

Start August, 2014, there is NO credit hour requirements for North Carolina community college student apply health insurance.

Our partnership with Financial Directions and North Carolina Blue Cross and Blue Shields provide community college students,  the family and their parents the most accessible health insurance program for 2014-2015 school year through Health Insurance Market Place.  

Eligibility for Student and their relatives

According to HealthCare.gov, most of people are people are eligible for health coverage through the Health Insurance Marketplace (Obamacare).

  • You must live in the United States
  • You must be a U.S. citizen or national (or be lawfully present). can't be currently incarcerated

Eligibility Subsidy

Beginning in October 2013, middle-income people who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges. Additionally, states have the option to expand their Medicaid programs to cover all people making up to 138% of the federal poverty level (which is about $33,000 for a family of four). In order to meet federal government health insurance subsided, you must

  • To be eligible for health coverage through the Marketplace,
  • You must live in the United States
  • You must be a U.S. citizen or national (or be lawfully present). can't be currently incarcerated

No subsidies will offer to international students or scholars on temporary visiting the United States on academic research purpose.

2.  Who is Eligible for the Community College Student Dental & Vision Program

Our Dental and Vision program is open for all community college students, student alumni, the family and their parents. However, there is no government subsidy available for apply coverage in Dental and Vision, unless the child is eligible for CHIP program.

3. Can I enroll One semester Only?

No. Health insurance program is an annual enrollment program, only available during annual Open Enrollment Period.

You can generally buy Marketplace health insurance only during the annual Open Enrollment period. Upcoming dates to know  

  • March 31, 2014: 2014 Open Enrollment ended
  • November 15, 2014: 2015 Open Enrollment starts
  • December 31, 2014: Coverage ends for Marketplace plans bought in 2014
  • February 15, 2015: 2015 Open Enrollment ends

To buy Marketplace insurance outside Open Enrollment, you must qualify for a special enrollment period due to a qualifying life event such as marriage, birth or adoption of a child, or loss of other health coverage.

Failure to carry on health insurance result in a penalty from the IRS.

The penalty in 2014 is calculated one of 2 ways. If you or your dependents don’t have insurance that qualifies as minimum essential coverage you'll pay whichever of these amounts is higher:

1% of your yearly household income. (Only the amount of income above the tax filing threshold, $10,150 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.

$95 per person for the year ($47.50 per child under 18). The maximum penalty per family using this method is $285.

The way the penalty is calculated, a single adult with household income below $19,650 would pay the $95 flat rate. A single adult with household income above $19,650 would pay an amount based on the 1% rate. (If income is below $10,150, no penalty is owed.) The penalty increases every year. In 2015 it’s 2% of income or $325 per person. In 2016 and later years it’s 2.5% of income or $695 per person. After that it's adjusted for inflation.

If you’re uninsured for just part of the year, 1/12 of the yearly penalty applies to each month you’re uninsured. If you’re uninsured for less than 3 months, you don’t have to make a payment. You’ll pay the fee on your 2014 federal income tax return. Most people will file this return in 2015. Learn more about the individual shared responsibility payment from the Internal Revenue Service.

4.  How do I sign up for BCBS Health Program?

By completing Application for Community College Student Health Plan, we can help you navigator through enrollment process, select best place fit your specific needs and assist you apply tax credit subsidies if you are eligible.

5. How do I sign up for HumanaOne Dental or Vision program?

Carefully read the HumanaOne Dental Preventive Plus Benefits & Visioncare Plan Schedule.  Complete the HumanaOne North Carolina Dental & Vision Enrollment Form mail back to P.O. Box 1388, Cary, NC 27512 or fax 919-469-0303. .

6. Can my same-sex partner enroll in the program?

North Carolina does not legally recognize any same-sex union, including civil unions and same-sex marriages. However, federal government does recognize same-sex union, including civil unions and same-sex marriages. You may eligible for receiving tax credit subsidies from IRS at time you apply health insurance coverage through Market Place (Obamacare)

7. My spouse has just lost his/her job. Can I add him/her to the program after enrollment period?

Yes. Please contact us by send email to jzhou@studentccsi.com or call 800-509-6988.

8. Can I add my newborn child or an new adopted child to the program after enrollment period?

Yes. Please contact us by send email to jzhou@studentccsi.com or call 800-509-6988

9. What if I am lesbian, gay, bisexual, or transgender (LGBT)? Will that affect my health insurance coverage and options?

Yes. New federal policies ­– including Obamacare, officially known as the Affordable Care Act (or ACA) – put in place important new protections for LGBT individuals and their families. Health insurance marketplaces, which are new organizations set up in every state to create more organized and competitive markets for buying coverage – are prohibited from discriminating on the basis of sexual orientation and gender identity. You cannot be turned away or charged more for being lesbian, gay, bisexual, or transgendered. You also can not be denied coverage or charged more because of any pre-existing health condition. Insurers can’t limit how much they’ll spend on your medical care – over a year or over a lifetime.

Under Obamacare, these protections extend to the health benefits provided in the Marketplace plans, which cannot discriminate based on sexual orientation, gender identity, or health status in how they design their essential health benefits.

In addition to these marketplace protections, the ACA prohibits discrimination based on gender identity in all health programs that receive federal funding. Further, federal rules require all health plans outside of the marketplace, such as through your employer or a plan you purchase on your own (except if it is “grandfathered“) to offer coverage to married same sex spouses if they offer coverage to opposite sex spouses. This protection applies even in states where state laws do not recognize same sex marriages.

Renewals and Cancellations
1. How do I  renewal my Health Insuance?

Log in to your account.

 

2. Can I cancel my medical coverage with BCBS?

Contact Customer Services of NCBCBS (https://www.bcbsnc.com/content/corporate/contacts.htm) or 1-800-446-8053 for your cancellation request.

3. Can I cancel my dental  or vision insurance coverage with HumanaOne?

For changes to existing plans, reinstatements or cancellation, please call Humana: 1-866-537-0232

Premium Payment
1. NCBCBS has the most update Question and Answer related medical insurance premium payment, please visit
www.bcbsnc.com/assets/help/faq/questions-billing.htm#M1

In the event, you do not see your questions being answered, please contact us via email jzhou@studentccsi.com or 919.228.6474
Consumer Protection
1. Who should I contact if I’m not happy about the services I’ve received?

We always want to hear from our customers about how to improve our services. Please write to us at the following address: Manager, CCSI, P.O. Box 1388, Cary, NC 27512. Please give us two weeks to respond to your inquiry.

3. How do I contact with HumanaOne?

If you have a question about dental insurrance program or your denied coverage, please write to HumanaOne, 101 Mansell Court East STE 400 Roswell, GA 30076 or call them at 1-866-537-0232 (Monday- Friday 7 AM-4 PM Central)

3. How do I contact with NCBCBS??

Please contacting NCBCBS Customer Service toll-free at 1-877-258-3334 , Monday through Friday from 8:00 a.m. to 6:00 p.m.

In Person Visit at:
Onsite Member Services
1965 Ivy Creek Blvd
Durham , NC 27707
Hours: 8 a.m. - 5 p.m.,M-F

Or write to
Blue Cross and Blue Shield of North Carolina
Corporate Headquarters
5901 Chapel Hill Road Durham , NC 27707

4. How do I contact Consumer Protection at the Department of Insurance?

You can call Consumer Protection at the North Carolina Department of Insurance at either 1-800-546-5664 (In-State Only) or at 919-807-6750.

 
 
 
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