What if you go naked – i.e., without BCBSNC® health insurance?

You probably know of someone who didn’t have health insurance.   When he had that heart attack, the medical community helped him.   He simply pays them about $20 per month now, probably for the rest of his life.

Yes, that worked for your friend, and it might work for you, but IF it is going to work for you, two conditions have to exist:

The first condition: You can’t have any significant assets.

(A true story:  A young friend of ours was in a terrible motorcycle accident and stayed two weeks in intensive care, and a lengthy hospital stay.   He was patched up perfectly, and only had to pay a small amount to the hospital and doctors each month.

However, years later, when his grandfather willed a house to him, guess who wanted their money?   The hospital was there with a lien on the house and property. They wanted their money.) By the way, in 2004, laws were changed so that you cannot escape medical bills by declaring bankruptcy.

The second condition that must exist if you are to play the “go naked” game:  If you need to get admitted to the hospital, it must be an emergency situation.

For example, if a woman needs a hysterectomy procedure done, most of the time, hospitals do not consider this an emergency.   If it is not an emergency, the hospital will likely deny admittance, even if she is very ill.

Other considerations

Rate Stability:   Unlike many other insurance companies, Blue Cross and Blue Shield of North Carolina® has very stable rates.   Yes, the premiums will probably go up each year, but the increase will be reasonable.

Many other companies get you in on a low rate, but then, the next year, they try to make up for it.   Blue Cross and Blue Shield of North Carolina® does not do that!

How do I “Buy smart”: Buy a plan now, while your pre-existing conditions are not a problem or they are minimal.

Keep the plan for years, and you will never have to play that “pre-existing condition” game with the insurance companies again. If you choose Blue Cross and Blue Shield of North Carolina®, you will be far ahead of people who choose less substantial North Carolina health insurance companies.