Navigating Health Insurance in 2023

Health Insurance Explained

Open Enrollment Options

Open Enrollment can be a confusing time of the year.  This is the period when you can elect or make changes to health plans without a qualifying life event (like getting married, having a baby, losing health coverage).

If your health coverage is through an employer, contact your employer for Open Enrollment dates. 

For those purchasing coverage through the Health Insurance Marketplace, Open Enrollment begins November 1.  A quick guide to the Health Insurance Marketplace can be found here.

2024 Considerations

As you elect coverage for 2024, please keep the following in mind as it pertains to services provided by Lake Norman Family Therapy (LNFT).

Medicare and Medicare Advantage (BCBS)

LNFT is in network with traditional Medicare and Medicare Advantage (BCBS).  We are out-of-network with all other Medicare replacement policies. 

This is an example of a traditional Medicare card.

PPO Products

LNFT is in network with BlueCross BlueShield Federal Employee Program and PPO products, including BlueHome with Novant.  Look for the letters “PPO” inside the suitcase on the bottom right corner of your insurance card.

NC State Health Plan

LNFT is a Clear Pricing Project provider with the NC State Health Plan and visits in our office are covered at 100% by insurance!


LNFT is in the process of becoming a network provider with Aetna, but we do not have an effective date at this time.


LNFT is out of network with all other insurance plans, including BCBS Blue Value and Blue Local We can file claims on your behalf and accept reimbursement directly (except from Tricare, who will reimburse you directly).  Your out-of-network benefits will apply to services rendered in our office.

LNFT is NOT able to file claims to Medicaid.

I am happy to answer any questions you may have about our network participation.  You may reach me at 704-892-9490 x1.

Enrollment Suggestion

As you consider the options during your Open Enrollment period, don’t automatically rule out plans with high deductibles.  Weigh the difference in monthly premium payments for each option against the difference in benefits (deductible and coinsurance) to determine the true cost difference between plans.