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BlueCross BlueShield of North Carolina

Our plans have many similarities, but each plan features its own unique options. Knowing what our plans offer can help you select the one that's right for you.

Blue Advantage

Blue Advantage offers you more choice with a deep, broad network.

  • 91% of doctors and 99% of hospitals in-network1
  • More pharmacy and prescription drug options
  • Flexibility in how much you pay for doctor visits and prescription drugs
  • No referrals needed2
  • Preventive care covered at 100%3

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Blue Select

Blue Select is a tiered benefit plan that features our largest network.

  • Savings of up to 6%4
  • A large network with two tiers of providers to choose from
  • Copayments for predictable costs
  • A smaller pharmacy network to save you money
  • No referrals needed2
  • Preventive care covered at 100%3

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Blue Value

Blue Value features a limited network of providers at some of the lowest costs of all our plans.

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Blue Local

Blue Local features a local network with Carolinas HealthCare System providers plus affiliated providers. This offers big savings, plus the convenience of coordinated care within one high-quality health care system.

  • Savings of up to 14%6
  • No referrals needed2
  • A local network of providers to lower your medical costs
  • A limited network of pharmacies for greater savings
  • Choices in how much you pay for doctor visits and prescription drugs
  • Preventive care covered at 100%3

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Looking for a Lower-Cost Option?

If you're under 30 or have a hardship, you may be eligible for catastrophic coverage. While these plans have high deductibles and provide minimum coverage, they also have very low premiums.

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Note: All BCBSNC 2014 individual market plans may be purchased through the Health Insurance Marketplace as a Qualified Health Plan (QHP) or through other sources, such as direct from BCBSNC. The availability of Advanced Premium Tax Credits (APTC) and Cost-Sharing Reductions are only available when plans are purchased through the Health Insurance Marketplace. (If you apply through BCBSNC, you will be able to go to the Health Insurance Marketplace to get any APTC or Cost-Sharing Reductions you're eligible for.) The Health Insurance Marketplace displays all QHPs available for sale in a given state by all issuers and therefore may contain more QHPs than displayed on this site. The Health Insurance Marketplace allows individuals to apply via its website, in-person or by phone.

* Savings of up to 6% for Blue Select, up to 15% for Blue Value and up to 14% for Blue Local

  1. CHP Market Quest. Network Compare. July 2012 (data as of May 9, 2012).
  2. American Indians and Alaska Natives can get a $0 cost-sharing reduction anywhere with a referral.
  3. Certain preventive care services are covered at 100% before deductible when received in an in-network office or out-patient setting. Other covered services may be subject to deductible and coinsurance. When you receive preventive care out-of-network, you may pay more. Visit bcbsnc.com/preventive for a full list of preventive services.
  4. BCBSNC Internal Data, January 2014 premium difference for Blue Select compared to a comparable Blue Advantage plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design selected.
  5. BCBSNC Internal Data, January 2014 premium difference for Blue Value compared to a comparable Blue Advantage plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design selected.
  6. BCBSNC Internal Data, May 2014 premium difference for Blue Local compared to a comparable Blue Advantage plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on the plan design selected.

Blue Value may not be available in all geographic areas.

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