888-765-5400BLUE CROSS BLUE SHIELD PLANS
Blue Advantage features a provider network that covers all 100 counties in the state at an affordable price.
91% of doctors and 99% of hospitals in the state are covered
Coverage in North Carolina, the United States and worldwide
More pharmacy and prescription drug options
Flexibility in how much you pay for doctor visits and prescription drugs
Preventive care covered at 100%
Blue Advantage is ideal for those who want choices: choices in which provider to see and choices for how much to pay for doctor visits and prescription drugs.
Blue Advantage offers a variety benefit choices to give you options for how much you pay for medical expenses: copayments, and deductible and coinsurance plans.
Copayment plans are what most people think of as traditional plans. They offer a fixed copayment for things like primary care office visits and prescriptions. While you’ll know what you’re going to pay with copayment plans, they come at a higher premium. These plans are ideal for someone who wants predictable costs and doesn’t mind paying more in premiums.
Deductible and coinsurance plans have lower premiums than copayment plans. If you don’t expect a lot of medical expenses and want to save money on premiums, these may be the plans for you. For these plans, you pay the full cost of your medical expenses until you meet your medical deductible. Then you pay a coinsurance percentage, sharing the cost with Blue Cross and Blue Shield of North Carolina (BCBSNC) until you reach your out-of-pocket limit. After that, BCBSNC pays all covered costs.
Two of our Blue Advantage deductible and coinsurance plans have a $0 deductible. That means you start paying toward coinsurance rather than meeting a deductible. From Day 1 BCBSNC shares your expenses until you reach your out-of-pocket limit.
For more options for your budget and your needs, some plans offer a combination of copayments, and deductible and coinsurance.
Health Savings Account (HSA)
Certain plans are also eligible for an HSA.
The money you contribute to your HSA is tax-deductible.
When you need to pay for eligible medical services, you can pay for them with your HSA funds.
Your HSA rolls over from year to year. That means you keep what you put into it. It’s your HSA – it’s your money.
For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obama care. Call us for details.