Health Plans of NC

Blue Cross NC Authorized Agency

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Blue AdvantageBlue Local Atrium HealthBlue Local Wake Forest HealthBlue ValueBlue Home
Blue Advantage

Full statewide network with the most provider choice

Blue Advantage gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.

More than 97% of doctors and 99% of the hospitals in North Carolina are in-network1

Blue Advantage gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.

Availability

Blue Advantage is available in all North Carolina counties except: Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Durham, Franklin, Gaston, Johnston, Lee, Lincoln, Mecklenburg, Orange, Person, Rowan, Stanly, Unio, and Wake.

Blue Local Atrium Health
Local network using only Atrium Health and its affiliates

Blue Local with Atrium Health2 is a good option if you wish to get care from Atrium Health (and its affiliated doctors and hospitals). Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.

  • Atrium Health’s smaller, local network of hospitals and providers
  • A provider network that includes Atrium Health Levine’s Children’s Hospital, which is nationally ranked in seven specialties;3 Carolinas Medical Center, the region’s only Level 1 trauma center, which was named the “Best Hospital” in the Charlotte metro region for the third straight year,4 and more than 200 primary care and urgent care locations5
  • The following doctor/hospital networks are considered out-of-network for Blue Local with Atrium Health: Novant Health and CaroMont Health
Availability

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

Blue Local Wake Forest Health
Local network using only Wake Forest Baptist Health and its affiliates

Blue Local with Wake Forest Baptist Health6 is a good option if you wish to get care from Wake Forest Baptist Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same system, it’s easier for them to work together on your behalf.

  • Wake Forest Baptist Health’s local network of hospitals and providers
  • A provider network that includes Wake Forest Baptist hospital, an academic medical center, four community hospitals, Brenner Children’s Hospital, more than 300 primary care and specialty clinics, and one of only 49 comprehensive cancer centers in the country7
  • The following doctor/hospital networks are considered out-of-network for Blue Local with Wake Forest Baptist Health: Novant Health and Cone Health
Availability

Blue Local with Wake Forest Baptist Health is available to residents of these counties: Davidson, Davie, Forsyth, Guilford, Randolph, Stokes, Wilkes, and Yadkin

Blue Value
Limited statewide network that balances access and cost

Blue Value is a good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network. The network is statewide, making it easy to get in-network care if you travel or have a child away at college.

  • A limited statewide network for savings
  • Network includes, but is not limited to, CaroMont Health, Frye Regional, New Hanover Regional, Novant Health, UNC Health Alliance and Wake Forest Baptist Health
  • The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health, Catawba Valley Health System, Duke Health and WakeMed
Availability

Blue Value is available to residents of these North Carolina counties: Alexander, Anson, Brunswick, Burke, Cabarrus, Caldwell, Catawba, Cleveland, Columbus, Davidson, Davie, Duplin, Forsyth, Gaston, Iredell, Lincoln, Mecklenburg, New Hanover, Onslow, Pender, Rowan, Stanly, Stokes, Surry, Union, and Yadkin

Blue Home
Local network using only UNC Health Alliance and its affiliates

Blue Home with UNC Health Alliance8 is a good option if you wish to get care from UNC Health Care’s provider network, UNC Health Alliance, and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.

  • UNC Health Alliance’s network of hospitals and providers, including over 860 primary care providers9
  • A provider network that includes UNC Medical Center, nationally ranked in 5 adult and 7 pediatric specialties by U.S. News, along with UNC Rex, rated by U.S. News as high performing in 9 adult procedures and conditions10
  • The following doctor/hospital networks are considered out-of-network for Blue Home with UNC Health Alliance: Duke Health, WakeMed and Cone Health
Availability

Blue Home with UNC Health Alliance is available to residents of these counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake

WHY CHOOSE BLUE

There’s a lot to think about when it comes to choosing health insurance. As the only homegrown, local insurer in all 100 counties of the state, Blue Cross and Blue Shield of North Carolina (Blue Cross NC) is here for you. With over 85 years of experience in the market and our broad range of plans11, you can find the coverage that’s right for you. The benefits that are important for getting and staying healthy are at the core of all of our plans. Advantages of health care coverage with Blue Cross NC include:

  • No referrals needed to see a specialist
  • 24/7 Telehealth care options for behavioral and physical health, available in English and Spanish12
  • Access to a 24-hour nurse hotline
  • Convenience of 90-day prescription mail order option
  • No waiting periods for pre-existing conditions13
  • Annual wellness visits + Coverage in- and out-of-network
  • Programs to help you stop smoking, including counseling and nicotine replacement therapy like patches, gum, and lozenges
  • Access to Blue365® deals and discounts from top health and wellness retailers around the country14
  1. Blue Cross NC Provider Internal Data; Percentages indicated represent Blue Cross NC’s PPO Network as of July 8, 2019. Note: Not all plans are available in all areas.

  2. Blue Cross NC has collaborated with Atrium Health. Blue Local with Atrium Health is a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s limited network of providers. Atrium Health is an independent company and is solely responsible for the physicians and medical facilities it owns/operates and does not offer Blue Cross NC products or services.

  3. U.S. News & World Report, http://health.usnews.com/best-hospitals/area/nc/levine-childrens-hospital-PA6360280 (Accessed June 2019).

  4. Atrium Health, https://atriumhealth.org/about-us/newsroom/news/2019/07/atrium-healths-carolinas-medical-center-named-best-hospital-in-charlotte (Accessed July 2019)

  5. Atrium Health, https://atriumhealth.org/about-us (Accessed July 2019).

  6. Blue Cross NC has collaborated with Wake Forest Baptist Health to bring you Blue Local with Wake Forest Baptist Health. Blue Local with Wake Forest Baptist Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Wake Forest Baptist Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Wake Forest Baptist Health does not offer BlueCross or Blue Shield products or services.

  7. Wake Forest Baptist Health, https://newsroom.wakehealth.edu/-/media/WakeForest/Newsroom/Files/STATsJanuary2019.pdf (Accessed July 2019)

  8. Blue Cross NC has collaborated with UNC Health Care to bring you Blue Home with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health Care is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health Care does not offer Blue Cross or Blue Shield products or services.

  9. UNC Health Care, https://www.unchealthcare.org/health-alliance/ (Accessed July 2019).

  10. UNC Health Care, http://news.unchealthcare.org/news/2019/july/unc-health-care-hospitals-nationally-ranked-by-u-s-news-world-report (Accessed August 2019).

  11. All information discussed in this document pertains to Blue Cross NC individual-market, medical health insurance plans that are eligible for sale in 2020 and meet Affordable Care Act guidelines. The information contained does not apply to plans that are transitional, group, dental- only or other plan types. All details regarding plan benefits and design contained herein are for informational purposes only. Please see the product benefit booklet for all terms and conditions that apply.

  12. Telehealth benefits available to all plans either from Blue Cross NC or through the provider network. Blue Cross NC provides the telehealth program for your convenience and is not liable in any way for the goods or services received. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notice. Decisions regarding your care should be made with the advice of a doctor. Depending on your plan, selected programs may not be available to you at this time. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you telehealth benefits.

  13. Eligibility requirements apply. See benefit booklet for details.

  14. Blue365® offers access to savings on items that Members may purchase directly from independent vendors, which are different from items that are covered under the policies with your Blue Cross NC. Any disputes regarding these products and services may be subject to the Blue Cross NC grievance process. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. BCBSA does not recommend, endorse, warrant or guarantee any specific Blue365 vendor or item.

NOTICE: Deductibles, coinsurance, limitations and exclusions may apply to 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.

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