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Protect Yourself
When Shopping For Affordable North Carolina health Insurance
Make Sure to Ask The Right Questions.
- What is the annual out of pocket maximum per calendar year?
- What co-payment applies to services?
- What is the deductible?
- What benefits require me to pay a deductible before the health insurance policy pays?
- Does my North Carolina health insurance plan deductible count towards my annual out of pocket maximum?
- What hospitals are covered by my North Carolina health insurance policy?
- Am I covered at my preferred North Carolina hospital by my preferred health practitioner?
- Regarding the prescription benefit; what are the co-pays for brand name and generic drugs?
- Are brand name drugs covered by my North Carolina health insurance plan?
- Is there a separate prescription deductible I must meet?
- Is there a limit or ceiling per year on the prescription benefit?
- Are there waiting periods for any treatment?
- What do they consider to be a pre-existing condition?
- Are pre-existing conditions covered?
WE WILL ANSWER ALL OF YOUR QUESTIONS
Blue Advantage® offers the security of great coverage and the convenience of predictable copayments1 for doctor visits, emergency room services2 and prescription drugs.3 Our broad range of plans allows you to choose the premium that's right for you, and to decide how much you want to share in the cost of your care, through deductible and coinsurance. You may also qualify for a healthy lifestyle discount, which could make your premiums even lower.
Blue Advantage Brochure
Affordable
- Save money without sacrificing quality - Blue Advantage is the most popular individual health plan in the state4
- Predictable copayments - Pay only a convenient copayment1 for doctor office visits, emergency room services2 and prescription drugs3
- Choices that meet your budget - Choose the monthly premium that works best for you
- New low-cost options - Blue Cross and Blue Shield of North Carolina® has expanded the plan offering so you can choose from more lower-cost options than ever
- Healthy lifestyle discount - If you qualify, your premiums will be even lower
Great Coverage
- Prescription coverage - Visit the Blue Cross and Blue Shield of North Carolina® large network of pharmacies and pay only a copayment for prescription drugs3
- Preventive care - You're covered for a variety of preventive procedures vital to your health and safety
- Health management programs - Blue Cross and Blue Shield of North Carolina® Member Health PartnershipsSM programs can help you manage conditions like asthma, diabetes, heart disease and more5
- Health-related discount programs - Blue Cross and Blue Shield of North Carolina® Blue ExtrasSM programs offer discounts on everything from vitamins, to gym memberships5
- Online health resources - Blue Cross and Blue Shield of North Carolina® Decision Support Tools provide valuable information and can help you make the most of your health care dollars
- Manage your plan online - Members have 24-hour access to their health plan information, including claims history, and can change their benefits and policy information online
Choice of Doctors
- Largest provider network in the state - Many of the best doctors, hospitals and specialists in North Carolina are at your fingertips4
- See the doctor you want - You have access to our large network of doctors and the freedom to go outside the network
- See specialists without referral - You're covered for in- and out-of-network services and can see a specialist without referral
- Health care that travels with you - You're covered across the country and in more than 200 countries and territories worldwide6
®,SM Marks of the Blue Cross and Blue Shield Association. SM1 Marks of Blue Cross and Blue Shield of North Carolina. SM2 Mark of Mellon Human Resources and Investor Solutions, Inc.
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 your deductible and coinsurance. Please reference your provider directory for a complete list of these services and supplies.
2 If admitted to the hospital from the emergency room, inpatient hospital benefits apply to all covered services provided. If held for observation, outpatient benefits apply to all covered services provided. If you are sent to the emergency room from an urgent care center, you may be responsible for both the emergency room copayment and the urgent care copayment.
3 Blue Advantage® Plan B requires a $200 prescription drug deductible. Plan C requires a $500 prescription drug deductible. Prior to the applicable copayment, Blue Advantage® Plans B and C require a $200 and $500 prescription drug deductible respectively. For all Blue Advantage® Plans, specialty brand named drugs (Tier 4) have a 25% member coinsurance obligation instead of a copayment.
4 2005 BCBSNC Internal Data
5 BCBSNC provides the Blue Extras and Member Health Partnerships programs for your convenience and is not liable in any way for the goods and services received. BCBSNC reserves the right to discontinue or change these programs at any time. Programs may not be available to members of all policies. Check with your benefits administrator to determine your eligibility. Your decisions regarding your medical care should be made with the advice of your doctor.
6 2005 Blue Cross and Blue Shield Association® Internal Data.
"Tony Huffman Insurance, Inc is an independent authorized producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Tony Huffman Insurance, Inc.® Registered mark of the Blue Cross and Blue Shield Association (SM) Service mark of the Blue Cross and Blue Shield Association."
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Get Your North Carolina Blue Cross Blue Shield of NC and Blue Advantage Health Insurance Here
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