Because it matters how you’re treated.

Are You Eligible?

Are You Eligible for Financial Help?

To determine if you’re eligible for financial help, there are resources available that will give you your options. Get more information.

Can You Keep Your Health Plan? 

Based on the guidelines of the Affordable Care Act (ACA), you may or may not be required to make changes to your plan. Together, we can determine what you’ll need to do. Let’s start by figuring out when you got your current insurance policy from us.

You purchased individual insurance on or before March 23, 2010 and have not made major changes to your plan.

Policies purchased on or before March 23, 2010 are considered “grandfathered.” If you have a grandfathered plan and you’re happy with your coverage, you do not need to make changes or use the Health Insurance Marketplace. Grandfathered plans are required to meet some, but not all, of the reforms in the Affordable Care Act. This means you may not be subject to increased premiums. There is no need to switch out of your grandfathered plan unless you’re sure a new plan makes the most sense for you.

How Long Can You Keep Your Grandfathered Plan?
If you have a grandfathered plan as an individual (not through an employer) and have not made major changes to your plan, you can keep it indefinitely. If you make major changes to your plan, the plan loses its grandfathered status. Relax… you’re covered with your grandfathered plan.

Should You Change Plans?
If you are satisfied with your current health plan, there is no need to change. You spent a lot of time and research choosing your current plan, so it’s likely that it’s the best plan for your needs and budget. You can contact a BlueCross BlueShield of South Carolina representative if you need help deciding on the best option for you and your family.

How Do You Know If Your Plan Is Grandfathered?
If you’re not sure when you purchased your plan, call us at 800-868-2500, ext. 46401, 8:30 a.m. - 5:30 p.m. EST, Monday - Friday. A customer service representative will be happy to help you with any questions and concerns about your plan status.

You purchased individual insurance after March 23, 2010.

Policies purchased after March 23, 2010 are considered “non-grandfathered.” As a non-grandfathered member you have one of two plan types, a trust-product plan or an interim non-grandfathered (NGF) plan. The date that you purchased your policy determines your plan type.

Trust-Product Plans
Who:
If you purchased your insurance with an effective date between Oct. 1, 2010, and Dec. 15, 2013, you are part of the trust-product group.
What do you need to do? Fortunately, as part of the trust-product group, you do not have to make any changes to your plan at this time.
When will you need to make a change? You can keep your current plan until Sept. 1, 2014. After this date, you will have to choose a new plan — one that follows the ACA guidelines.
How: When the time comes for you to purchase a new plan, you’ll have the option to buy online from the Health Insurance Marketplace or purchase directly from us. You have until Aug. 15, 2014 to make a decision — so take your time and make sure it’s the right one for you. 

Feel free to call a BlueCross representative at any time to discuss your options at 800-868-2500, ext. 46401, 8:30 a.m. - 5:30 p.m. EST, Monday - Friday.

Interim NGF Plans
Who
: If you purchased your insurance with an effective date between April 1, 2010, and Sept. 15, 2010, you are in the interim non-grandfathered group.
What do you need to do? You’ll be glad to know that you do not need to make any changes to your current health plan during this year’s standard Open Enrollment Period.
When will you need to make a change? It depends on your benefit period start date. Here is a list of possible scenarios:

Benefit Period Start Date Apply for a New Plan By ... Example
January 1 December 15 Benefit Period Start Date: Jan. 1, 2013
Apply For New Coverage By: Dec. 15, 2013
1st of Month (except for Jan. 1) 15th of the month prior to your Benefit Start Date Benefit Period Start Date: Feb. 1, 2013
Apply For New Coverage By: Jan. 15, 2014
15th of the Month 15th of the month prior to your Benefit Start Date to avoid a gap in coverage Benefit Period Start Date: Mar. 15, 2013
Apply For New Coverage By: Feb. 15, 2014

Beginning Jan. 1, 2014 all Benefit Periods will be calendar year and run from Jan. 1 to Dec. 31 each year.

How: When the time comes for you to purchase a new plan, you’ll have the option to use the Health Insurance Marketplace or purchase directly from us. As part of the interim NGF group, you have extra time to make a decision — so take your time and make sure you make the choice that’s best for you. Contact a BlueCross representative at 800-868-2500, ext. 46401, 8:30 a.m. - 5:30 p.m. EST, Monday - Friday for more information.


Not Sure WHEN You Purchased Your Individual Policy?

Call us at 800-868-2500, ext. 46401between 8:30 a.m. - 5:30 p.m. EST, Monday - Friday.

I am a small-business (50 or fewer employees) owner.

If you currently insure your employees with a BlueCross plan, you can keep the coverage you have. If the coverage you offer your employees is considered affordable under the health care reform law and meets the minimum value set by the law, then your employees will not be eligible for financial help (savings on your premium or out-of-pocket costs) if they buy their own coverage from the marketplace. Small-business owners can fall into the grandfathered or non-grandfathered segments:

If you have a grandfathered plan, you don’t need to do anything right now to continue with the same benefits that you and your employees are currently enjoying. If you have a grandfathered small-business plan and you’re happy with your coverage, you do not need to make changes or use the Health Insurance Marketplace. There is no need to change from your grandfathered plan unless you’re sure it makes the most sense for you and your employees.

If you have a non-grandfathered plan, we can help you find ways to continue to offer your employees coverage through a BlueCross plan. Contact one of our representatives to help you select the best coverage for your budget. Call 800-868-2500, ext. 41010, 8:30 a.m. – 5:30 p.m. EST, Monday - Friday.

I have group insurance through my employer.

If you get your insurance through a group, you do not need to make any changes in your coverage. Depending on the size of your company, your employer may need to make adjustments and will communicate to you the impact of these adjustments.

If the coverage your employer offers is considered affordable under the health care reform law and meets the minimum value set by the law, then you will not be eligible for financial help (savings on your premium or out-of-pocket costs) if you buy your own coverage from the Marketplace.

How Do You Buy a Health Plan?

Get a quote with BlueQuote. Need help finding a plan? AskBlue.