BCBSNC Compare Blue Advantage to Blue Options HSA

BCBSNC Compare Blue Advantage® to BlueOptions HSA(sm) Plans

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 budget. Yes. You could save as much as 50% off Blue Advantage.1
Copayment for office visits Yes. Just present your Blue Cross NC 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 an HSA. Contributions are tax-deductible, withdrawals and interest are tax-free.
Lowest deductible $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:
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 with unlimited benefits 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.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, Blue Cross NC 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.

1 Blue Cross NC internal data, 2007: Compares rates for Blue Advantage Plan A $2,500 deductible / 80% coinsurance and Blue Options HSA $5,000 deductible / 100% coinsurance for a 40 year old male in Wake county.

2 Some services and supplies received by members in an office setting or in connection with an office visit are in fact outpatient hospital-based services provided by hospital-owned or operated practices. These services and supplies may be subject to your deductible and coinsurance. Please see the Blue Cross NC provider listing to identify these providers.

3 Blue Advantage Plan B requires a $200 prescription drug deductible. Plan C requires a $500 prescription drug deductible. Prior to the applicable copayment, Blue Advantage Plans B and C require a $200 and $500 prescription drug deductible respectively. For all Blue Advantage Plans, specialty brand named drugs (Tier 4) have a 25% member coinsurance obligation instead of a copayment.

4 Preventive care services, such as routine physical exams, including gynecological exams, well-child and well-baby care, including periodic assessments and immunizations, are covered at 100%, after copayment, when received in an in-network office setting. When you receive preventive care out-of-network you may pay more out-of-pocket.

5 Includes in-network annual routine physical exam, well-baby and well-child care and certain immunizations and screenings. Other covered services may be subject to deductible and coinsurance. Members who receive covered services out-of-network may be required to pay the difference between the provider's actual charge and the Blue Cross NC allowed amount, in addition to the coinsurance amount.

6 MarketQuest Network Compare, April 2009.

7 Referrals may be needed for certain mental health and substance abuse services.

8 Blue Cross Blue Shield Association Web site, 2008; www.bcbs.com/coverage/bluecard/ (Accessed June 2009).

9 Maternity coverage and Dental Blue benefits are not included in the rates for Blue Advantage. Maternity coverage is offered through Blue Advantage at an additional cost. Dental Blue is a separate product that provides dental-only coverage and is available at an additional rate. For costs and further details about maternity coverage or Dental Blue, including exclusions and reductions or limitations and terms under which the policy may be continued in force, see your agent or write to Blue Cross NC.

10 Blue Cross NC provides the Member Health Partnerships program for your convenience and is not liable in any way for the services received. Blue Cross NC reserves the right to discontinue or change the program at any time.

®, SM Mark of the Blue Cross and Blue Shield Association. SM1 Mark of Blue Cross and Blue Shield of North Carolina.