Google+ Blue Options Health Insurance Plan | BCBSNC

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.

In-Network (Member Liability) Out-of-Network (Member Liability)
Copayment Options

Primary:$10-$35

Specialist:$20-$70

20%-70% coinsurance after deductible

Coinsurance Options

0%-40% coinsurance after deductible

0%-60% coinsurance after deductible

Individual deductible

$0-$5,000

$0-$10,000

Family deductible

$0-$10,500

$0-$21,000

Coinsurance for Inpatient Services and Outpatient Procedures

0%-50% coinsurance after deductible

20%-70% coinsurance after deductible

Individual Out-of-Pocket Limit
(maximum amount a member pays including copayments, deductible and coinsurance)

$1,000-$6,350

$2,000-$12,700

Family Out-of-Pocket Limit
(maximum amount a member pays including copayments, deductible and coinsurance)

$2,000-$12,700

$4,000-$25,400

Prescription drugs

Options available for copayment/coinsurance, straight coinsurance and 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. Plus, there are no claims for employees to file in-network. And employees never have to go far to find a doctor; our network covers all 100 counties in North Carolina.1

Why BCBSNC?

  • We're the 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 now available with all 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®4
  • Fully integrated case management, condition care and the Healthy Outcomes wellness program5
  • Access to valuable health improvement resources for those who are healthy or those who may need additional support.

All of our plans include:

  • A dedicated team: Client engagement representative, group service advisor, account manager and member professional
  • Exclusive member discounts from top retailers on fitness gear, gym memberships, family activities, healthy eating options and much more with Blue365®4
  • Turnkey wellness solution with Healthy OutcomesSM1, offering several flexible options including data-based health assessments with reporting 5
  • Enhanced, integrated HRA options available with all 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 Member Guide for complete details.

3. Brand Tracking Study; Prophet; March 2013.

4. 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.

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

U9636, 4/13