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

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 95% of doctors and 98% of the hospitals in North Carolina are in-network.¹

^Notes

1. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC’s PPO Network as of July 14, 2023.

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.

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 within North Carolina.

• Limited statewide network for savings

• Network includes, but is not limited to, Atrium Health Wake Forest Baptist, CaroMont Health, Frye Regional, New Hanover Regional, Novant Health and UNC Health Alliance.

• The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health, Duke Health and WakeMed. Out-of-state providers are also out-of-network. When traveling outside of North Carolina or the U.S., only emergency services will be covered at the in-network benefit level. All other non-emergency covered services will be covered at the out-of-network benefit level.

Blue Value is available on and off Marketplace to residents of these North Carolina counties: Alexander, Brunswick, Burke, Caldwell, Catawba, Cleveland, Columbus, Duplin, Gaston, Iredell, Lincoln, New Hanover, Onslow, Pender, and Surry.

Blue Local with Atrium Health ¹ 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.

• 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 for 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.

Notes

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

2. U.S. News & World Report, usnews.com/best-hospitals/area/nc/levine-childrens-hospital-PA6360280 (Accessed September 2022).

3. Atrium Health, www.atriumhealth.org/about-us/newsroom/news/2022/07/atrium-health-earns-multiple-us-news-and-world-report-honors (Accessed September 2022).

4. Atrium Health, www.atriumhealth.org/about-us (Accessed August 2022).

5. Atrium Health Wake Forest Baptist, www.wakehealth.edu/about-us (Accessed August 2022)

6. Atrium Health Wake Forest Baptist, www.wakehealth.edu/locations/facilities/comprehensive-cancer-center (Accessed September 2022).

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.