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Consider choosing a plan that includes the Atrium Health doctors and hospitals you trust.

Open enrollment for the Individual Health Insurance Marketplace begins November 1, 2020 and ends December 15, 2020. This is the opportunity for individuals and families looking for health insurance coverage to compare health insurance plans and enroll in a plan for 2021.

Why choose Atrium Health?

When you choose a health insurance plan with Atrium Health you get:

  • Unmatched, world-class care from the region’s only nationally ranked health system which includes Levine Cancer Institute, Levine Children’s Hospital, Sanger Heart & Vascular Institute and more
  • Access to one of the largest primary care networks in the region, on-demand care including urgent care and online video health visits, and the region's only Level I trauma center
  • Peace of mind that you can keep your out-of-pocket costs down when you get care from us

Which plans include Atrium Health providers?

Atrium Health doctors and hospitals are in-network for the following individual health insurance plans for 2021:

Metro Charlotte, NC Area

  • Blue Local with Atrium Health from Blue Cross and Blue Shield of North Carolina
  • Blue Advantage from Blue Cross and Blue Shield of North Carolina*

York and Lancaster Counties, SC

  • BlueEssentials from Blue Cross and Blue Shield of South Carolina+
  • BlueOption from BlueChoice HealthPlan*+

*Individual plans only available off of the Individual Health Insurance Marketplace
+Atrium Health physicians in South Carolina and Atrium Health hospitals and physicians in North Carolina counties bordering South Carolina are in-network.

View a complete list of NC plans by county
View a complete list of SC plans by county

Important

The following individual health insurance plans do NOT include Atrium Health doctors and hospitals:

  • Blue Home with Novant Health from Blue Cross and Blue Shield of North Carolina
  • Blue Value from Blue Cross and Blue Shield of North Carolina
  • Bright Health
  • Other non-Atrium Health Blue Local products from Blue Cross and Blue Shield of North Carolina
  • Ambetter from Absolute Total Care

If you have a medical emergency, you should go to the closest hospital emergency room. Atrium Health hospitals provide services to all patients seeking treatment for an emergency medical condition, regardless of their health insurance plan or ability to pay for emergency services.

How to Enroll in or Change Plans

For more information or to change your plan, you can:

Frequently Asked Questions

The marketplace is an online resource where you can shop for, compare, and enroll in or update a health insurance plan. You can also see if you’re eligible for savings.

"Open enrollment" is a federally mandated period of time when you can enroll in or make changes to a health plan. For 2021 plans, open enrollment begins November 1, 2020 and ends December 15, 2020.

Changes are often made to plans available on the health insurance marketplace. These changes may affect which providers, hospitals and other health services are included in a plan’s network, as well as the costs you will be responsible for paying. To have the lowest out-of-pocket cost for care from Atrium Health and you live in the Metro Charlotte, NC area, consider selecting a Blue Local with Atrium Health plan or a Blue Advantage plan. If you live in York or Lancaster counties in SC, consider a BlueEssentials or BlueOption plan.

A "network" is a group of doctors and hospitals that participate in a health insurance plan. Usually, your out-of-pocket costs are lower if you seek care from doctors and hospitals that belong to your health insurance plan’s network.

Most health insurance plans have networks of doctors, hospitals, pharmacies and other healthcare providers. Depending on the type of health coverage you choose, your care may only be covered if you go to a provider who is in-network. If staying with your current doctors is important to you, be sure to check if they are included before making a decision.

  • Health insurance helps you pay for your care. It’s impossible to predict what your medical bills will be each year; having coverage gives you the peace of mind that you are protected from very high medical expenses.
  • Studies show that people with health insurance are much more likely than those without it to use preventive health services and necessary prescription drugs. They are also less likely to incur medical debts.

Out-of-pocket costs are your total expenses for medical care that are not paid by your health insurance plan.

Whether you’re applying for the first time or already have a 2020 individual health insurance plan that you need to update, you can:

  • Visit Healthcare.gov for a full listing of plans by state and a checklist of documents you need and/or
  • Talk with your health insurance agent.
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