Individual Health Insurance Marketplace
Open Enrollment for the Individual Health Insurance Marketplace is the chance for you and your family to get a new health insurance plan. Before you enroll, it’s important to compare plans and consider if your Atrium Health doctors are covered in your plan.
Keep reading to learn which plans include Atrium Health, how to enroll and more.
Key dates:
November 1
December 15
January 1
Why choose a plan that includes Atrium Health?
If you already have an Atrium Health doctor or hospital you prefer, you may want to pick a health insurance plan that includes them. This lets you continue seeing them while better managing your healthcare costs. In addition to your doctor and hospital, you get seamless connection to Atrium Health’s vast care options. A few highlights include:
- Unmatched, world-class care from the region’s only nationally ranked health system which includes Levine Cancer Institute, Sanger Heart & Vascular Institute, Musculoskeletal Institute and more
- Primary care from the region’s preferred provider, including family medicine, internal medicine, and women’s health
- The region’s largest network of behavioral health and substance use services
- Convenient on-demand care options, like urgent cares and video visits
- Peace of mind that when you get care from Atrium Health, you can more easily keep your out-of-pocket costs down
Which plans include Atrium Health ?
For 2023, the following plans sold on the Individual Health Insurance Marketplace include Atrium Health doctors and hospitals in their networks:
- Aetna CVS Health
- Ambetter insurance plans (including Ambetter of NC)
- Blue Local with Atrium Health from Blue Cross and Blue Shield of North Carolina
- Blue Advantage from Blue Cross Blue Shield of North Carolina (available off Individual Health Insurance Marketplace only)
- UnitedHealthcare of NC
- WellCare of NC
- Ambetter insurance plans (including Ambetter from Absolute Total Care)
- BlueEssentials from Blue Cross and Blue Shield of South Carolina**
- Blue Option from BlueChoice Health Plan of South Carolina
- Aetna CVS Health
- AmeriHealth Caritas Next
- Ambetter of North Carolina (with Atrium Health)
- Blue Local (with Atrium Health Wake Forest Baptist)
- UnitedHealthcare
- WellCare of North Carolina
- Alliant Health Plans - SoloCare plans
- Ambetter*
-
Anthem Blue Cross Blue Shield of GA Pathway* plans - AHN Baldwin only
- Pathway Enhanced
- Pathway Guided Access HMO
- Pathway HMO
- Pathway X Enhanced
- Pathway X Guided Access HMO
- Ambetter insurance plans
- Alliant SoloCare plans
*Not all plans are available in every county within the area
**In-network providers for York and Lancaster include:
- Atrium Health physicians in South Carolina
- Atrium Health physicians and hospitals in North Carolina counties that border South Carolina
Learn which health insurance plans Atrium Health Wake Forest Baptist accepts.
The following individual health insurance plans offered in the Metro Charlotte, NC Area do NOT include Atrium Health doctors and hospitals:
- Blue Home with Novant Health from Blue Cross and Blue Shield of North Carolina
- Blue Local from Blue Cross and Blue Shield of North Carolina (all others)
- Blue Value from Blue Cross and Blue Shield of North Carolina
- Bright Health insurance plans
- Friday Health Plans of NC (sold in Cleveland County, NC)
- Constant Care & Confident Care from Molina Healthcare (sold in York and Lancaster Counties, SC)
Patients with a medical emergency, 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.
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 time when you can enroll in or make changes to a health plan.
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.
If you’re looking for the lowest out-of-pocket cost from Atrium Health, here are some suggestions:
Live in Metro Charlotte, NC? Consider one of these plans:†
- Aetna insurance plans
- Ambetter insurance plans
- Blue Local from Blue Cross and Blue Shield of North Carolina
- Blue Options from Blue Cross and Blue Shield of North Carolina
- UnitedHealthcare insurance plans
†Not all plans are available in every county within the Metro Charlotte, NC area.
Live in York or Lancaster counties in SC?
- Consider a BlueEssentials or BlueOption plan
A “network” is a group of doctors and hospitals that participates 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 an in-network provider. If staying with your current doctors is important to you, be sure to check if they’re included before deciding.
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 an 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.
You can also talk with your local health insurance agent.