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Blue Advantage offers you more choice with a deep, broad network.

  • Over 92% of physicians and 98% of the hospitals in North Carolina in-network1
  • More pharmacy options
  • Two ways to pay for medical expenses: a plan with predictable copayments or deductible and coinsurance

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Blue Select is a tiered benefit plan that features our largest network.

  • Savings of up to 6%2
  • A large network with two tiers of providers to choose from
  • Copayments for predictable costs
  • A smaller pharmacy network to save you money
  • No referrals needed3
  • Preventive care covered at 100%4

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Blue Value features a limited network of providers at some of the lowest costs of all our plans.

  • Savings of up to 9%5
  • A limited network of providers and pharmacies to lower costs
  • Choices in how much you pay for doctor visits and prescription drugs
  • No referrals needed3
  • Preventive care covered at 100%4

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Blue Local offers a network of local physicians with a low premium

North Carolina residents can now choose from a network of local doctors with savings on premiums up to 14%. This plan offers several benefit options and can be linked to an HSA.

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Catastrophic

Looking for a Lower-Cost Option?

If you’re under 30 or have a hardship, you may be eligible for catastrophic coverage. While these plans have high deductibles and provide minimum coverage, they also have very low premiums.

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For North Carolina beneficiaries enrolled in Medicare Part B

What We Offer

By combining the knowledge of the dedicated agents of Health Plans of NC with the broad experience and comprehensive understanding of Blue Cross Blue Shield of NC (BCBSNC), we are able to offer our customers the following:

The Best Prices

Health insurance rates are regulated by the NC Department of Insurance. Whether you buy from us, or directly from BCBSNC, you’ll pay the exact same monthly premium for every plan offered by BCBSNC.

Fast Processing

We offer the fastest way to apply with BCBSNC. Your application can be submitted either online or on paper. When you use the paper application, we submit it to BCBSNC electronically, often significantly reducing the processing time.

Excellent Customer Care

We know that purchasing health insurance can be confusing. By offering professional and unbiased advice, our licensed health insurance agents will help you find the BCBSNC health insurance plan that meets your individual needs.

Our Services are FREE to You: The services offered by Health Plans of NC are provided at no extra cost to you. We are compensated solely through BCBSNC.

  1. Consortium Health Plans, Inc., MarketQuest Network Compare, March 2015. Percentages indicated represent BCBSNC’s PPO network. Note: Not all plans are available in all areas. 

  2. BCBSNC Internal Data, January 2014 premium difference for Blue Select compared to a comparable Blue Advantage plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design selected. 

  3. American Indians and Alaska Natives can get a $0 cost-sharing reduction anywhere with a referral.  2

  4. Certain preventive care services are covered at 100% before deductible when received in an in-network office or out-patient setting. Other covered services may be subject to deductible and coinsurance. When you receive preventive care out-of-network, you may pay more. Visit bcbsnc.com/preventive for a full list of preventive services.  2

  5. BCBSNC Internal Data, January 2014 premium difference for Blue Value compared to a comparable Blue Advantage plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design selected. 

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