Short Term Insurance:

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North Carolina Student Health Insurance

If you are a resident or moving here from another state we offer students a short term option on health insurance ranging from either three months up to one year. We also offer a long term option with more robust benefits as a more major medical plan.

Peace of Mind | Coverage for life's in-betweens

If you are looking for a flexible plan that covers you for a short time period and offers you protection against unexpected health care expenses, consider Short Term Health Care from Blue Cross and Blue Shield of North Carolina ®. Short Term Health Care offers a package of benefits similar in many ways to Blue Cross ® standard health care plans. So, you can still have the feelings of security and stability you're used to with your health care coverage. Additionally, you decide how long you'll need the coverage- 30 days, 45 days, 60 days, or 90 days.

Choose the deductible you want to Short Term Health Care offers a choice of deductibles: $500, or $1000. After meeting your deductible, Short Term Health Care will pay 80% of charges. Once you have reached your coinsurance maximum of $1000 per individual, per benefit or $2000 per family, BCBSNC covers your expenses 100% of the chargesup to $2 million.

Reliable customer service

No-hassle eligibility
You and your dependents are eligible for Short Term Coverage if you are residents of North Carolina under the age of 65 who are not eligible for Medicare or Medicaid. Additionally, you must qualify medically and you must not have enrolled in Short Term Health Care policy in the past 12 months. Beacuse Short Term Health Care is intended to meet only short term insurance needs, your policy is not renewable.

Blue Cross ® made sure you're covered for a variety of emergency, rehabilitative and preventive services. With Short Term Health Care you have the power to keep yourself healthy.

Accidental injury care, Ambulance services, Diagnostic services, including, x-rays and laboratory work, Durable medical equipment, Emergency care, Home health care, Hospital services, Mammograms, Medical supplies, Office visits for certain services, Orthotic devices, Gynecological examination, Prostate screening, Private duty nursing, Prosthetic appliances, Short term rehabilitation services, Skilled nursing facility care, Surgical care.

Rapid application processing

You can choose any date within 30 days of signing the application to be your effective coverage date. Coverage as early as the day after your application is postmarked.

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® Registered mark of the Blue Cross and Blue Shield Association
SM Service mark of the Blue Cross and Blue Shield Association
SM1 Service mark of Blue Cross and Blue Shield of North Carolina
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Please Fax applications to: 704-708-6255 or,
mail it to:
Capital Insurance Agency of Charlotte
2331-E Crown Point Executive Drive
Charlotte, NC 28227