888-765-5400The Importance of Knowing Your Network
Blue Cross Blue Shield of NC offers several network options when selecting your health insurance plan to allow you the flexibility to choose the coverage that bests suits your needs. It is important to understand these networks before making your final plan selection.
To gain access to the best and largest network of doctors and hospitals, go with a Blue Advantage plan. Blue Advantage offers you a broad choice of doctors, specialists and hospitals with the largest network available that includes 91% of doctors and 99% hospitals.
Does having the option to save money by selecting a doctor from two tiers of in-network providers appeal to you? Blue Select plans offer you this opportunity. With Blue Select, BCBSNC has tiered benefits and providers to help you make the most of your health care spending. BCBSNC has evaluated doctors and specialist physician practices on their quality outcomes, cost efficiency, and accessibility and created two categories:
Tier 1 are providers who received top ratings, and you’ll receive a richer benefit when you choose these providers.
Tier 2 are providers who still meet the usual standards for being part of the network, and you’ll receive a less rich benefit when you choose these providers. By tiering the benefits and providers, you’ll save up to 6% on your monthly premium and have a clear way to save more money by choosing Tier 1 providers. You can see which tier your providers are in by visiting the Find a Doctor tool.
Is having a plan with a lower premium more important to you than having the largest network of doctors and hospitals available? If so, a Blue Value plan might work for you. Blue Value features a limited network of providers and some of the lowest costs of all the plans. Blue Value can offer up to 9% savings, but has a limited network of doctors, hospitals, and pharmacies to lower costs. (Blue Value may not be available in all areas.)
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.