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Blue Options

Blue OptionsSM is a Preferred Provider Organization (PPO) deep-network plan that offers flexible and convenient copayment and coinsurance options for primary care, specialist office visits and prescription drugs.

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For Your Business

  • Blue Options' familiar plan design takes the guesswork out of health care choices for employees leading to high satisfaction with the plan.

For Your Employees

  • Employees may receive care in or out-of-network.
  • There are no claims for employees to file for in-network care.
  • Employees are covered in all 100 counties in North Carolina.1

Blue Options benefits summary

This summary shows the range of coverage available.

NOTICE: Your actual expenses for covered services may exceed the stated coinsurance percentage or copayment amount because actual provider charges may not be used to determine the health benefit plan's and member's payment obligations. For costs and further details of the coverage, including exclusions, and reductions or limitations and terms under which the policy may be continued in force, see your agent or contact BCBSNC.


(Member Liability)


(Member Liability)

Copayment Options

Primary: $10-$50

Specialist: $20-$100

20%-70% coinsurance after deductible

Coinsurance Options

0%-40% coinsurance after deductible

0%-60% coinsurance after deductible

Individual Deductible



Family Deductible



Coinsurance for Inpatient Services and Outpatient Procedures

0%-40% coinsurance after deductible

0%-70% coinsurance after deductible

Individual Out-of-Pocket Limit

(maximum amount a member pays including copayments, deductible and coinsurance)



Family Out-of-Pocket Limit

(maximum amount a member pays including copayments, deductible and coinsurance)



Prescription drugs

Options available for copayment/coinsurance with 4 Tier coverage.

Is it right for your business?

Blue Options could be right for your business if you're looking for a plan with the advantages of a traditional PPO plan, including copayments for routine care like primary care and specialist visits and access to in and out-of-network providers.2 Blue Options is the easiest health plan to manage and administer.

Is it right for your employees?

Employees can receive in- or out-of-network care. And employees never have to go far to find a doctor; they're covered in all 100 counties in North Carolina.1 Plus, there are no claims for employees to file in-network.


  • Most preferred health insurance company in North Carolina3
  • Get personalized service and a dedicated team including client engagement representative, group service advisor, account manager and member professional
  • HRA and FSA options available with most of our plans

BCBSNC offers support and programs for members, including:

  • Web and mobile access to benefits and claims information at
  • Health Line BlueSM, our 24/7 nurse line and chat providing support at no additional cost to members
  • Fully integrated case management, condition care and the Healthy Outcomes wellness program4
  • Exclusive member discounts from top retailers on fitness gear, gym memberships, family activities, healthy eating options and much more with Blue365®,5
  • Access to valuable health improvement resources for those who are healthy or those who may need additional support.

All of our plans include:

  • Turnkey wellness solution with Healthy OutcomesSM, offering several, flexible options including data-based health assessments with reporting4
  • Exclusive member discounts with Blue365®,5
  • Enhanced, integrated HRA options available with most plans

1. Consortium Health Plans, Inc., MarketQuest Network Compare, April 2013.

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. Preventative care is limited to in-network benefits. Members should refer to the Benefit Booklet for complete details.

3. BCBSNC Brand Image and Advertising Tracking; Vision Critical; March 2014.

4. BCBSNC offers Healthy Outcomes programs as a convenience to aid members in improving their health; results are not guaranteed. BCBSNC contracts with Alere Health Improvement Company, an independent third party vendor, for the provision of certain aspects of Healthy Outcomes programs and is not liable in any way for goods or services received from Alere. BCBSNC reserves the right to discontinue or change Healthy Outcomes programs at any time. The programs are educational in nature, and are intended to help members make informed decisions about their health, and to help members comply with their doctor's plan of care. Decisions regarding care should be made with the advice of a doctor.

5. Blue365® offers access to savings on items that Members may purchase directly from independent vendors, which are different from items that are covered under the policies with BCBSNC. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither BCBSNC nor BCBSA recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. This program may be modified or discontinued at any time without prior notice.

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