Catastrophic Plans

Catastrophic plans provide minimum coverage at a lower price.

  • High deductible plans
  • Essential Health Benefits covered after deductible is met
  • Preventive care covered at 100%1
  • Primary care in-network office visits covered with a $35 copayment for the first 3 visits
  • Save as much as 22% over the least expensive bronze plan2

These plans have high deductibles that you must meet before BCBSNC pays for Essential Health Benefits. They may be a good option if you don’t expect to have many medical expenses.

Essential Health Benefits

Essential Health Benefits that are covered include:

  • Ambulatory services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance abuse services (including behavioral health)
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive/wellness services and chronic disease management
  • Pediatric services, including dental and vision


You must meet one of the following criteria to be eligible for a catastrophic plan.

  • Be under 30 years of age when the plan year begins
  • Qualify for a hardship exemption through the federal government

Metallic Levels

Catastrophic plans are not required to meet the metallic levels that other plans must meet. However, because BCBSNC is committed to quality coverage, our catastrophic plans do meet bronze level requirements.

All plans have a maximum out-of-pocket (OOP) limit of $6,850 or less.

  1. 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. BCBSNC Internal Data, percentage savings based on a 21 year old non-smoker in Raleigh.