Short Term Health Care offers a package of benefits similar to Blue Cross and Blue Shield of North Carolina’s (BCBSNC) standard health care plans. Members determine how long they will need coverage—30 days, 45 days, 60 days or 90 days.

Short Term Health Care offers a choice of deductibles: $500 or $1,000. After meeting the deductible, Short Term Health Care will pay 80% of the charges incurred by the member.¹ If out-of-pocket costs2 reach $1,000 per individual per benefit period, or $2,000 per family, Short Term Health Care will pay 100% of the member’s charges, up to $2 million.¹

An applicant can choose any date to be the effective coverage date on the application. Coverage can be effective as soon as the day after the application is mailed. Since Short Term Health Care is intended to meet only short term insurance needs, the policy is not renewable.