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Blue Care®

What is it?

BlueCare® is a traditional managed care plan where most services are covered with either a copayment or coinsurance within the HMO network.

How does it work?

For your business

  • Blue Care offers the benefits and stable costs that make an HMO more appealing for some businesses.
  • It features a fixed plan design that keeps your costs consistent to help you better manage your health care budget.

For your employees

  • Your employees receive comprehensive coverage, affordable premiums and the freedom to visit a primary care physician or specialist within the HMO network without a referral.
  • Our HMO network includes 91% of all doctors practicing in North Carolina.1

Blue Care benefits summary

This summary shows the range of coverage available. Your plan benefits can be customized to the needs of your business and employees.2

In-network copayments (Primary/Specialist)

$15/$30; $20/$30; $20/$40; $25/$50; $35/$70
Individual deductible

$0; $250; $500; $750; $1,000; $1,750; $2,500; $3,500; $5,000

Family deductible

2 or 3 times the individual deductible

Coinsurance (in-network after deductible is met) 100%; 90%; 80%; 70%; 60%; 50%
Individual coinsurance maximum $0; $1,000; $2,000; $3,000; $4,000; $5,000
Family coinsurance maximum 2 or 3 times individual coinsurance
Prescription drugs Options available for both copayment/coinsurance and 4 Tier coverage.
Emergency services

Coverage available throughout the US and in more than 200 countries and territories worldwide1

Is it right for your business?

Blue Care is suited for businesses that desire a more traditional health insurance plan. If you have employees that regularly work outside North Carolina, our other plans provide more network flexibility. The Blue Care HMO network only includes North Carolina providers, although emergency services are covered outside the state.

Why BCBSNC?

  • The largest network in North Carolina1
  • Over 68% of small businesses in North Carolina who offer their employees health insurance, chose Blue Cross and Blue Shield of North Carolina3
  • Rated #1 in customer satisfaction in North Carolina4
BCBSNC offers support and programs for members, including:
  • Online access to benefits and claims information at bcbsnc.com
  • Blue PointsSM - Earn rewards, including brand-name merchandise and gift cards, just for being active and living healthy5
  • Blue ExtrasSM - Discounts on chiropractic services, laser eye surgery, vitamins and more5
A tier is the level of member copayment for a specific prescription drug. Tier 1 medications have the lowest and Tier 4 have the highest copayment amounts. Tier 1 medications are generic medications. Tier 2 medications are preferred brands. Tier 3 medications are non-preferred brands. Tier 4 medications are specialty drugs.

  1. BCBSNC Internal Data, 2008: Network Management Report, PowerMHS
  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. 2008 Government Accountability Report: State Small Group Health Insurance Markets (GAO-09-363R). Number is representative of small businesses that purchase health insurance in North Carolina.
  4. Frederick Polls, September 2008.
  5. BCBSNC provides Blue Points and Blue Extras for your employees’ convenience and is not liable in any way for the goods or services received. Decisions regarding their care should be made with the advice of their doctor. BCBSNC reserves the right to discontinue or change these programs at any time.

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