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Major Medical Insurance

With the Affordable Healthcare Act effective January 1, 2014, there are many differences now that we can assist you with. We are qualified to help you attain coverage through the Marketplace at www.healthcare.gov or directly through Blue Cross Blue Shield.The Alliance Insurance Group writes major medical insurance exclusively through Blue Cross Blue Shield of North Carolina. Gerry Holland and James Morrow are our medical insurance specialists.

Blue Advantage
Blue Advantage is a traditional PPO plan.  In addition to protecting you in a major medical event, it provides you with affordable co-pays for doctor visits and prescription drugs.

Blue Options HSA
This is a high deductible health plan designed to be associated with a tax deductible Health Savings Account.  Before your deductible is met, you pay the total cost of your care.  After the deductible is met, you pay coinsurance until you meet your out-of-pocket maximum.  The significant premium savings can be put into your Health Savings Account, which can be used to pay medical expenses with pre tax dollars.  Money left in the account accumulates for your retirement.

Medicare Supplement
This is supplemental coverage for those enrolled in Medicare parts A and B. Blue Cross offers a wide selection of plans.  Both entry age plans and attained age plans are available. With entry age plans your rates will not increase due to age.  Attained age plans feature lower initial rates, but rates will increase due to age.  Compare plans to see which one meets your needs.

Blue Medicare Rx (Medicare Part D Prescription Drug Coverage)
Blue Cross offers a Standard and an Enhanced plan, both of which offer affordable co-pays for each of four tiers of prescription drugs.  The Enhanced plan offers a zero deductible and lower co-pays on than the Standard plan.
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