Our classic health insurance plan

• Features low copayments for doctor visits and prescription drugs
• A wide range of deductibles for medical and prescription drugs
• You get the most comprehensive coverage we offer
• You pay more in monthly premiums, but you pay less when going to the doctor
• Preventive care is covered at 100%

The information in this article is from bcbsnc.com, product benefits.

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). You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.

Many people choose a copayment plan because they want the predictability of knowing exactly how much they will pay out of pocket for doctor visits and prescriptions. However, many people who purchase these plans don’t realize they are paying hundreds of dollars extra each year for the convenience of copayments. In a traditional copayment health plan, you generally pay for health care like this:

+ You pay a relatively high monthly premium for coverage.

+ When you see an in-network doctor for an office visit, you pay a copayment.

+ When you fill a prescription, you pay a copayment.

+ When you go to the hospital, have a procedure, or have lab tests, you pay a fee that is applied toward your deductible.

+ When you meet your deductible, you begin paying coinsurance, until you meet your coinsurance maximum for the year.

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