Blue Local with Duke Health and WakeMed is available to residents of the Triangle area.

  • A primary care provider (PCP) who oversees all of your care for a better overall experience
  • Lower costs through a smaller, local network
  • Network that includes top-ranked Duke Health,1 WakeMed hospitals and more than 1,200 physicians through WakeMed Key Community Care2
  • Network that does not include UNC Health Care or Rex


Blue Local with Duke Health and WakeMed is available to residents of these Triangle area counties: Alamance, Caswell, Chatham, Durham, Franklin, Granville, Johnston, Lee, Orange, Person, Vance, and Wake.

Blue Local with Carolinas HealthCare System is available to residents of the metro-Charlotte area.

  • Lower costs through a smaller, local network
  • Network that includes Carolinas HealthCare System with a children’s hospital that’s nationally ranked in six specialties, the region’s only level 1 trauma center and more than 200 primary care and urgent care locations3
  • Network that does not include Novant or CaroMont


Blue Local with Carolinas HealthCare System is available to residents of these metro-Charlotte area counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Rowan, Stanly, and Union.

Blue Local is the Best Choice for People Who:

  • Live in one of these counties.
  • Would like to see premium savings of up to 14%.4
  • Prefer to see doctors and other providers in or affiliated with Carolinas HealthCare System and Duke Health and WakeMed1.

Blue Local offers lower costs and improved patient experience by partnering with a single health care system that delivers more coordinated health care. Blue Local plans also offer preventive care covered at 100%5.

Benefit Choices

Blue Local offers a variety of different benefits plans, with a range of payment options for your medical expenses. For more options for your budget and needs, some plans offer a combination of copayments and deductible and coinsurance.

  • Copayments, which are fixed amounts for things like primary care office visits and prescriptions.
  • Deductible and coinsurance plans, which have lower premiums than copayment plans. If you do not expect a lot of medical expenses and want to save money on premiums, these may be the right choice for you. For these plans, you pay the full cost of your medical expenses until you meet your medical deductible. Then you pay a coinsurance percentage, sharing the cost with BCBSNC until you reach your out-of-pocket limit. After that, BCBSNC pays all the covered costs.

Metallic Levels

Blue Local plans are available in bronze, silver, and gold. The levels differ by how much of your medical costs a plan will pay on average. They are based on approximate values for standard medical expenses.6 7 All plans have a maximum out-of-pocket (OOP) limit of $7,350 or less.

  • Bronze plans pay 60% of medical costs on average
  • Silver plans pay 70% of medical costs on average
  • Gold plans pay 80% of medical costs on average

Health Savings Account (HSA)

One Blue Local plan can also be linked to an HSA.

  • The money you contribute to your HSA is tax-deductible.8
  • When you need to pay for eligible medical services, you can pay for them with your HSA funds.
  • Your HSA rolls over from year to year. That means you keep what you put into it. It’s your HSA - it’s your money.
  1. Please note that if you see a provider who is not in network, you will be subjected to out-of-network benefits.  2

  2. U.S. News & World Report, http://health.usnews.com/health-care/best-hospitals/articles/best-hospitals-honor-roll-and-overview (accessed September 2017). 

  3. U.S. News & World Report, http://health.usnews.com/ best-hospitals/area/nc/levine-childrens-hospital-PA6360280 (accessed September 2017). 

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

  5. 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. 

  6. The Center for Consumer Information and Insurance Oversight. Centers for Medicare and Medicaid Services. “Actuarial Value and Cost-Sharing Reductions Bulletin.” http://cciio.cms.gov/resources/files/Files2/02242012/Av-csr-bulletin.pdf. Accessed April 29, 2013. 

  7. These are approximate values with a +/- 2% variation. 

  8. HSA contribution amounts are limited to the amount established by the IRS for each year for single or family coverage.