Thank you for your membership with Blue Cross and Blue Shield of North Carolina®
WNC Health Insurance greatly appreciates your business and would like to help you get comfortable with your new coverage. BCBSNC® makes this easy with their New Member On Boarding Guide. To download your guide, please click here: Download New Member On Boarding Guide.
My Member Services
WNC Health Insurance strongly encourages you to register for My Member Services. Registration is available the first day that your policy is effective. Example: Your policy is effective January 1, you can register for My Member Services on January 1.
Initial Premium Payments Your coverage will not become effective until you make your first payment. If you did not pay when you applied for your health insurance either online or in person, your initial premium must be received by BCBSNC® by the last day of the month prior to the effective date of coverage (Example: December 31 for coverage effective on January 1).
Your initial premium payment must be for the exact amount of your monthly premium. You can pay more than your monthly premium with subsequent premium payments.
Ongoing Premium Payments You have several options to make your premium payment every month.
- We highly recommend setting up your My Member Services account and scheduling your monthly payments by recurring bank draft, credit card or debit card (credit card and debit card recurring payments will be available effective 01/01/2015).
- When you select recurring payments, your premium is automatically drafted from your bank account or charged to your debit or credit card each month.
- You can also pay each month by check, money order or Money Gram (new for 2015)
Billing Details If you select recurring payments, your payment will be drafted or charged to your card automatically around the 5th of the month (Example: Your June payment will be drafted or charged on June 5th). If the 5th is on a Saturday or Sunday, the draft or charge will occur on the next business day.
If you select not to pay with automatic recurring payments, you can pay online each month by bank draft or credit card. If you do not pay by recurring payments, payment is due on the 1st of the month with a 30-day grace period. To keep your account current you must pay your premium by the 30th on the month it is due (Example: Your premium for June must be paid by June 30th). If you do not make your payment by the last day of the month, your policy will remain active but benefits will be deactivated until your account is current. If your payment has still not been received prior to the 10th of the following month (Example: By July 10th for a payment that was due in June), you will have to pay a double premium to get your account current and reactivate benefits the next time you pay online. If you do not pay your premium after more than 90 days, your policy will terminate.
If you pay by check or money order, your bill will be sent out three weeks prior to the due date. Example: Your bill for June will be sent on May 10. Payment is due on the 1st of the month with a 30 day grace period. If your payment is not received by the last day of the month, your benefits will terminate.
PO Box 580011
Charlotte, NC 28258-0011
When paying by check, money order or certified check, always include your account number on your check. Your account number is a nine digit number located on the upper right hand side of your Member ID Card. Your account number is also on your invoice that is accessible through your My Member Services account.
If you purchased your health insurance plan through the Marketplace and your payment is more than 90 days past due, your account will terminate. You can bring your account current prior to 90 days by logging in to My Member Services or sending a check for the total premium due to BCBSNC®.
If you did not purchase your plan through the Marketplace and missed a payment, log in to your My Member Services Account or call the BCBSNC® Customer Service number on the back of your ID card to reinstate your coverage.
Changing Your Address
Marketplace If you purchased your health insurance policy through the Marketplace and are changing to an address outside of your current zip code, you must call the Marketplace to change your address. This information will be forwarded to BCBSNC®.
Non Marketplace (direct through BCBSNC®) If you purchased your health insurance policy without going through the Marketplace, you can change your address through your My Member Services account.
Ordering a New ID Card
You can order a new ID card through your My Member Services account.
Adding / Removing Dependents, Reporting Income Changes, Terminating Coverage, Verifying Income
- Adding Dependents: Must be the result of a qualifying life event. Call the Marketplace 800-318-2596
- Removing Dependents: Must be the result of a qualifying life event. Call the Marketplace 800-318-2596
- Reporting Income Changes: Call the Marketplace 800-318-2596
- Terminating Coverage: Can be done online through healthcare.gov or by phone 800-318-2596
- Verifying Income: Can be done online through healthcare.gov or by phone 800-318-2596
Non Marketplace Polices (direct through BCBSNC®)
All changes can be managed through your My Member Services account or by calling the customer service number on the back of your card.
Download the New Member On-Boarding guide or call our office at 828-348-2583.