Find Your Most Affordable Health Insurance Plan in Charlotte, North Carolina

Good option if you wish to get care from Novant Health’s provider network and it’s affiliated doctors and hospitals. (B1)

Since the majority of doctors in this plan are in the same network, it's easier for them to work together on your behalf.

• Over 1900 physicians

• More than 800 locations, including Novant Health’s not-for-profit integrated system of 15 medical centers. (B2)

• All doctors outside the Novant Health provider network are considered out-of-network and not covered for Blue Home with Novant Health, including: Atrium Health, CaroMont Health and Cone Health. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).

• Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.

Blue Home with Novant Health is available on and off Marketplace to residents of these North Carolina counties: Cabarrus, Davidson, Forsyth, Mecklenburg, Rowan, Stokes, Union, and Yadkin.

Good option if you wish to get care from Atrium Health and its affiliated doctors and hospitals. (C1)

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.

• A provider network that includes Atrium Health Levine Children’s Hospital, which is nationally ranked in eight specialties;² Carolinas Medical Center, which was named the “Best Hospital” in the Charlotte metro region for the seventh straight year;³ and 40 hospitals and more than 1,400 care locations.⁴

• A provider network that includes more than 2,700 physicians;⁵ Atrium Health Wake Forest Baptist Medical Center; an academic medical center; five community hospitals; Brenner Children’s Hospital; more than 300 primary care and specialty clinics;⁵ and one of only three comprehensive cancer centers in North Carolina.⁶

• All doctors outside the Atrium Health provider network are considered out-of-network and not covered by Blue Local, with Atrium Health, including CaroMont Health, Cone Health, Novant Health, and their affiliated providers. Out-of-network benefit coverage is not available except for emergency services, urgent care, and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).

• Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.

Blue Local with Atrium Health is available on and off Marketplace to residents of these North Carolina counties: Anson, Cabarrus, Cleveland, Davidson, Davie, Forsyth, Gaston, Guilford, Lincoln, Mecklenburg, Randolph, Rowan, Stanly, Stokes, Union, Wilkes and Yadkin.

Good option if you want a broad choice of in-network doctors, specialists and hospitals.

Our largest statewide network. Full statewide network with the most provider choice. More than 95% of doctors and 98% of hospitals in North Carolina are in-network (A1)

Blue Advantage is available on and off Marketplace to residents in all North Carolina counties EXCEPT the following, where it is available only off Marketplace: Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Johnston, Lee, Lincoln, Mecklenburg, Orange, Person, Rowan, Stanly, Stokes, Surry, Union, Wake, and Yadkin.