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 BlueConnectNC, available for your desktop or mobile device. To learn more about BlueConnectNC, click here.

Ready to get started? After the effective date of your policy:

  • Desktop: Go to to register
  • Mobile Device: Download the BlueConnectNC app from Google Play or the iTunes App Store.

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, 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).

How to Pay


Automated Pay by Phone 888-802-2386

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.

Non-Marketplace (direct through BCBSNC®)

Payment is typically submitted with your application. If you have any questions, contact your agent.

Ongoing Premium Payments

You have several options to make your premium payment every month.

  • We highly recommend setting up your BlueConnectNC account and scheduling your monthly payments by recurring bank draft, credit card or debit card.
  • 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 or money order

Automatic Recurring Payments

If you select recurring payments, your payment will be drafted or charged to your card automatically around the 1st of the month. If the 1st is on a Saturday or Sunday, the draft or charge will occur on the next business day.

Manual Payments

If you select not to pay with automatic recurring payments, you can pay online each month by bank draft or credit card. 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 of 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.

Payment Address
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 into you BlueConnectNC account 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 BlueConnectNC Account or call the BCBSNC® Customer Service number on the back of your ID card to reinstate your coverage.

Changing Your Address


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 BlueConnectNC account.

Ordering a New ID Card

You can order a new ID card through your BlueConnectNC account.

Life Changes: 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 or by phone 800-318-2596
  • Verifying Income: Can be done online through or by phone 800-318-2596

Non-Marketplace (direct through BCBSNC®)

All changes can be managed through your BlueConnectNC account or by calling the customer service number on the back of your card.

More Questions?

Call our office at 828-348-2583.

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