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Blue Cross Blue Shield of North Carolina

Blue Cross Blue Shield of North Carolina

Blue Cross Blue Shield of North Carolina offer the best and most affordable health insurance plans in North Carolina.  To find the best plan for you get your own Blue Cross Blue Shield of North Carolina quote.

Find out why North Carolinians who buy their own insurance prefer Blue Cross, they are the most trusted health insurer in the state.

 



Most popular individual plan in North Carolina1

A traditional PPO, Blue Advantage offers great coverage, a range of premium and deductible options to meet your budget, and the convenience and security of predictable copayments.2

  • Broad range of premium and deductible options
  • Predictable copayments2
  • Largest provider network in North Carolina3
  • Local company, serving the state for more than 75 years
  • North Carolina’s most popular individual plan1
  • Coverage for preventive care services2, 4
  • Child-only policies available
  • Out-of-pocket maximum protects you from high-dollar medical bills
  • Secure access to health plan information online
  • Optional maternity coverage available. Review coverage Blue Advantage Plan Detail and Brochure
  • Apply online! It’s fast, easy and secure.


Lower premiums, tax-savings options

Blue Options HSA links a high-deductible health plan to a health savings account (HSA)1, which can be used to pay for qualified medical expenses tax-free.2 Monthly premiums are as much as 50% lower than traditional health plans.3 The HSA is portable and any unused balance rolls over at the end of the year.

  • Lower premiums—save as much as 56% off Blue Advantage3
  • Choose your own doctor from the largest provider network in the state4
  • Preventive care services covered at 100%5
  • An HSA is automatically included with your health plan if you select Mellon as your fund administrator1,6
  • Mellon HSA includes a convenient debit card at no charge1
  • HSA contributions and withdrawals are tax-free2
  • Annual contribution limit for 2010 is $3,050 for individual plans and $6,150 for family plans
  • Out-of-pocket maximum protects you from high-dollar medical costs
  • Secure access to health plan information online
  • Optional maternity coverage available. Review coverage Blue Advantage Plan Detail and Brochure
  • Apply online! It’s fast, easy and secure.

Compare the plan features below to determine which is right for you.

Blue Advantage Plan
A traditional PPO, Blue Advantage offers great coverage and the security of predictable copayments.Blue Advantage Plan Detail
Blue Option Health Savings Account
A high-deductible health plan linked to a health savings account (HSA), Blue Options HSA offers lower premiums and tax savings.1Blue Options HSA Plans
Premiums to fit your budget Yes. Choose from a range of options to suit your budget. Yes. You could save as much as 56% off Blue Advantage.1
Copayment for office visits Yes. Just present your BCBSNC ID card and pay a convenient copayment.2, 4 No. Before your deductible is met, you pay the total cost of your care. After your deductible is met, you pay coinsurance until you reach your total out-of-pocket maximum amount.
Preventive care coverage Yes. Includes a variety of services important to your good health.4 Yes. To ensure your good health, a variety of preventive care services are covered at 100%—even before you have paid your deductible.5
Prescription drug coverage Yes. At a network pharmacy, you pay only a convenient copayment. (A separate pharmacy deductible may apply.)3 Yes. After you meet your deductible, you pay your coinsurance amount. (Both medical and pharmacy claims apply to the same deductible.)
Eligible for a tax-advantaged HSA No Yes. This plan is eligible for a health savings account if the applicant is 18 or older.
Lowest deductible $250 deductible per person. $1,200 for an individual plan. $2,400 for a family plan.
Coverage for children Yes. Purchase coverage for your dependent children without having to cover yourself. Yes. Dependent children can be covered, but a child-only policy cannot include a health savings account.
Blue Advantage and Blue Options HSA share the great plan features listed below:
Great coverage You’ll get comprehensive medical coverage at rates that fit your budget.
Largest provider network in the state You’ll have access to the largest provider network in the state, which means many of North Carolina’s best doctors and hospitals are at your fingertips.6
Protection against high-dollar medical costs You won’t pay more than your out-of-pocket maximum, no matter how high your annual expenses. And you’re covered up to at least $5 million for covered expenses over your lifetime.
Out-of-network coverage You have the freedom to see out-of-network doctors and can visit a specialist without referral.7 When you see an out-of-network provider, you may pay more out-of-pocket.
Coverage when you travel You’re covered across the nation and in more than 200 countries and territories worldwide through the Blue Card network.8
Optional Maternity Coverage You can choose to purchase maternity coverage with your health plan care.9
Optional Dental Coverage You can choose to purchase dental coverage with your health plan care.9
Health and wellness programs Whether you want to manage a health condition or just improve your fitness and nutrition, BCBSNC has a program for you.10
Online member services Access your policy information, plus health information, tools and resources on your secure member site.
The company you trust BCBSNC is a local company, serving the state of North Carolina for more than 75 years.

Maternity Coverage

BCBSNC offers an optional maternity rider to females (policy holder or spouse) ages 18 and over who are not pregnant when they apply for coverage. If you elect not to purchase the maternity rider when you first apply, you can add at the following times so long as you are not pregnant at the time:

  1. During the annual renewal period (November for a January 1 effective date) as long as the policy has been in effect for at least 6 months
  2. Within 30 days following marriage (requires copy of marriage certificate)
  3. Upon adding your spouse as a dependent for reasons other than marriage (requires supporting documentation)

Here are some additional things to consider:

  • The maternity rider covers maternity services under the core health plan’s deductible and coinsurance. There are usually no office visit co-payments and no separate deductible for maternity coverage.
  • Complications from pregnancy are covered under Blue Advantage or Blue Options HSA even if you do not have the maternity rider. These health plans provide you the protection in the event of certain complications with your pregnancy.
  • You can add your newborn to your existing policy within 30 days of the date of birth (without medical underwriting) regardless of whether or not you have the maternity rider. Coverage will be effective as of the baby’s date of birth so long as your policy was active on the day of birth.
  • Many people see the maternity option simply as a means to help “pre-pay” and choose to purchase it only if they are planning on getting pregnant in the near future.
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