Health Plans

From traditional PPO plans to more customer-driven health designs, our plans offer both choice and flexibility to meet your individual business needs. Compare for yourself:

Our flagship plan, offering the highest standard of convenience.

  • A traditional PPO plan
  • Our easiest health plan to administer
  • In- and out-of-network benefits
  • Copayments for routine visits and specialty care1
  • 100% coverage for a wide range of preventive services2,3
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Our health savings account plan that encourages maximum employee engagement.

  • A high-deductible consumer-driven health plan
  • Lower premiums than a traditional PPO
  • 100% coverage for a wide range of preventive services2,3
  • Tax savings for employees of up to 35% for out-of-pocket costs4
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Our Preferred Provider Organization (PPO) plan that offers two tiers of in-network benefits in addition to out-of-network coverage. It's a tiered benefit plan that offers the kind of quality, cost-effective coverage employers and employees have been asking for. You will find it an effective way to cut costs - as much as 5% compared to our Blue Options plan - while covering employees all across the state.5

  • New way to manage the cost of care - choose by provider, by price or by proximity
  • 100% in-network coverage for a broad range of preventive services2,3
  • Limited pharmacy network and our Basic-Open drug formulary result in savings6
  • Excellent, local customer service - for both employers and employees
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Our Point-of-Service (POS) product, which is a type of an HMO with in-network and out-of-network benefits. It is a lower-cost plan offering quality, cost-effective coverage. We've collaborated with providers across the state to create a plan that lets you trade full access to our network of providers for a limited network - with as much as 9% savings in targeted markets.7

  • Smaller provider network helps keep premiums low. See a list of participating hospitals [PDF]
  • 100% in-network coverage for a broad range of preventive services2,3
  • Limited pharmacy network and our Basic-Open drug formulary result in savings6
  • Excellent, local customer service - for both employers and employees
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NOTICE: Deductibles, coinsurance, limitations and exclusions apply to this coverage. Further costs and details of coverage, limitations and exclusions, and terms under which the policy can be continued in force will be provided in your free information package.

1. 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 deductible and coinsurance. Please see the BCBSNC provider list to identify these providers.

2. Certain preventive care services are limited to in-network benefits.

3. Certain preventive care benefits are a result of Health Care Reform requirements for non-grandfathered plans. See your Benefit Booklet for any restrictions or cost-sharing for out-of-network benefits.

4. Consult a qualified tax advisor about possible tax advantages.

5. BCBSNC Internal Data; Represents 2014 product premium savings assuming no change in levels of member cost sharing. Actual savings will depend on geography and plan design(s) selected by group. Blue Select offers two tiers of benefits in addition to out-of-network coverage. Tier 2 providers may not have met one or more of the standards necessary for inclusion in Tier 1.

6. Blue Value and Blue Select offer a 5-tier benefit option available on the BCBSNC Basic-Open formulary. Some drugs and devices may have step-therapy requirements in which you must try lower-cost alternatives before receiving approval for the higher-cost drug or device, or prove medical necessity.

7. BCBSNC Internal Data; Represents 2014 product premium savings assuming no change in levels of member cost sharing. Actual savings will depend on geography and plan design(s) selected by group.

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