A traditional PPO, Blue Advantage offers great coverage and the security
of predictable copayments.
A high-deductible health plan linked to a health savings account (HSA),
Blue Options HSA offers lower premiums and tax savings.1
Download HSA Handbook »
|Premiums to fit your budget
||Yes. Choose from a range of options to suit your
||Yes. You could save as much as 50% off Blue Advantage.1
|Copayment for office visits
present your BCBSNC ID card and pay a convenient copayment.2, 4
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
|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
|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
|Eligible for a tax-advantaged HSA
||Yes. This plan is eligible for an HSA. Contributions
are tax-deductible, withdrawals and interest are tax-free.
||$1,000 deductible per person.
||$2,700 for an individual plan. $5,450 for
a family plan.
|Coverage for children
||Yes. Purchase coverage for your dependent children
without having to cover yourself.
||Yes. Dependent children are eligible for Blue Options HSA coverage, without parent coverage.
|Blue Advantage and Blue Options HSA share the
great plan features listed below:
||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 with unlimited benefits for covered expenses over your lifetime.
||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.7
|Maternity and dental coverage options
||You can choose to purchase maternity or dental coverage
with your health care plan.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 70 years.