Compare Health Insurance Plans

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.

Our plans share these features:
Largest Provider Network in NC That means many of North Carolina's best doctors and hospitals are available.1
Protection Against High-Dollar Medical Costs You won't pay more than your out-of-pocket maximum, no matter how high your annual expenses, for in-network covered services.
Out-of-Network Coverage You can see out-of-network doctors and specialists without referral, but you may pay more.2
Coverage When You Travel Coverage across the United States and in more than 200 countries and territories worldwide through the Blue Card network.3
Maternity Rider Option Available to add to your health insurance plan.4 Learn more about our maternity rider option.
Optional Dental Coverage You can choose to purchase dental coverage with your health care plan.4
Member Services Online access to your policy information, plus exclusive content for members, including health programs, tools and resources.

Here's how our plans differ from each other:5

Plan A Plan B Plan C Saver
Plan 1		 Saver
Plan 2		 Saver
Plan 3		 Blue Options HSA Plans
Preventive Care Covered 100% Covered 100% Covered 100%
Primary Care Physician Office Visits *
Specialist Visits
Generic Drugs ** *** ***
Brand Drugs ** *** *** You pay 100% You pay 100%
Specialty Drugs You pay 25% You pay 25% You pay 25% You pay 25% You pay 100% You pay 100%
You pay a copayment. * Limited to four primary care office visit copayments per year, then covered with deductible and coinsurance.
100% In-network services covered by BCBSNC. ** Plan B requires that you meet a separate $200 drug deductible before copayment coverage begins.
*** Plan C and Saver 1 require that you meet a separate $500 drug deductible before copayment coverage begins.

1 Market Quest Network Compare, April 2009.

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

3 Blue Cross and Blue Shield Association website, 2009 (www.bcbs.com/coverage/bluecard). Accessed May 2010.

4 Maternity rider option and Dental Blue benefits are not included in the rates for our health insurance plans. Maternity rider option is offered 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 rider option 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 BCBSNC.

5 The examples provided in the chart relate to in-network service only. When using out-of network providers, in addition to deductible and coinsurance amounts, you may be responsible for the difference between the BCBSNC allowed amount and the provider's actual charge.