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.

View Plan Summary

How It Works

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 and don't need a referral to see a specialist.1 There are no claims for employees to file for in-network care.
  • Employees get access to the largest network in North Carolina.4

Blue Options benefits summary

This summary shows the range of coverage available. Your plan benefits can be customized to the needs of your business and employees.3

Copayment Options
(Primary/Specialist)
  • $10/$20
  • $10/$30
  • $15/$30
  • $20/$30
  • $20/$40
  • $25/$50
  • $35/$70
Individual deductible
  • $0
  • $250
  • $500
  • $750
  • $1,000
  • $1,500
  • $1,750
  • $2,500
  • $3,000
  • $3,500
  • $5,000
Family deductible

Two or three times individual deductible
Coinsurance for inpatient services and outpatient procedures
(In-network/out-of-network)
  • 100%/100%
  • 100%/80%
  • 100%/70%
  • 90%/70%
  • 80%/70%
  • 70%/50%
  • 60%/40%
  • 50%/50%
  • 50%/30%
Individual coinsurance maximum
  • $0
  • $1,000
  • $2,000
  • $3,000
  • $4,000
  • $5,000
  • $10,000
Family coinsurance maximum

Two or three times individual coinsurance
Prescription drugs

Options available for both copayment/coinsurance and 4 Tier coverage

Why Blue Options?

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.3 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. No referral is needed to see a specialist.1 And employees never have to go far to find a doctor; our network is the largest network in North Carolina.4 Plus, there are no claims for employees to file in-network.

Why BCBSNC?

  • Access to the largest network available in North Carolina and the savings that come with it.4
  • Rated #1 in customer satisfaction in North Carolina5
  • 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 mybcbsnc.com
  • Health Line BlueSM, our 24/7 nurse line and chat providing support at no additional cost to members
  • Exclusive member discounts from top retailers on fitness gear, gym memberships, family activities, healthy eating options and much more with Blue365®7
  • Fully integrated case management, condition care and the Healthy Outcomes wellness program6
  • Access to valuable health improvement resources for those who are healthy or those who may need additional support.

What You Get With All Plans

All of our plans include:

  • A dedicated team: Client engagement representative, group service advisor, account manager and member professional
  • Turnkey wellness solution with Healthy OutcomesSM, offering 11 flexible options including data-based health assessments with reporting6
  • Exclusive member discounts with Blue365®7
  • Enhanced, integrated HRA options available with most plans

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

2. 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.

3. 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 Member Guide for complete details.

4. MarketQuest Network Compare: December 2011.

5. Frederick Polls, April 2011.

6. BCBSNC contracts with Alere Health Improvement Company, an independent third party vendor, for the provision of certain aspects of Healthy Outcomes program.

7. 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. Any disputes regarding these products and services may be subject to BCBSNC's grievance process. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. BCBSA does not recommend, endorse, warrant or guarantee any specific Blue365 vendor or item.