Blue Value Health Plans from Blue Cross NC
in North Carolina
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Limited statewide network
Blue Value is a Blue Cross NC plan offering a limited statewide network at a lower monthly premium than broader-network options. The network includes Atrium Health Wake Forest Baptist, CaroMont Health, Duke Health Lake Norman Regional Medical Center, Duke LifePoint Healthcare, Novant Health, and UNC Health Alliance — but it does not include the rest of Atrium Health, the rest of Duke Health, or WakeMed Health.
Unlike the single-system Blue Home plans, Blue Value spans several regional systems, but it's still a limited network built to keep premiums low. We recommend it for generally healthy individuals and families who prioritize the lowest premium and are flexible about which specific doctors and hospitals they use — as long as you confirm your providers are in the Blue Value network first.
Good fit if you're generally healthy and rarely need specialist care, prioritize the lowest possible premium over provider choice, and are flexible about which specific doctors and hospitals you use.
Poor fit if you're managing an ongoing condition and want a stable relationship with one large hospital system, or if your regular doctors are with the excluded parts of Atrium Health, Duke Health, or WakeMed.
Limited network – Limited statewide network
Network: A limited multi-system NC network.
Out-of-area care: Emergency services and urgent care outside of NC are covered at the in-network benefit level. All other non-emergency covered services are covered at the out-of-network benefit level.
Offered in Bronze, Silver, and Gold tiers.
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 Value trades network breadth for the lowest premium among Blue Cross NC's individual plans. Unlike the single-system Blue Home and Blue Local plans, it spans several regional health systems rather than just one — but the network is still limited. Care from providers outside the Blue Value network is covered only at the higher-cost out-of-network benefit level, so you pay the least by staying with the specific systems in the network.
The Blue Value network includes Atrium Health Wake Forest Baptist, CaroMont Health, Duke LifePoint Healthcare (including Lake Norman Regional Medical Center), Novant Health, and UNC Health Alliance. It does not include the rest of Atrium Health, the rest of Duke Health, or WakeMed Health — so a provider being “Atrium” or “Duke” isn't enough to confirm coverage; the specific facility matters.
Because the network mixes several systems rather than centering on one, this plan works best for people who don't have an established relationship with a specific health system and are comfortable confirming coverage facility-by-facility.
Blue Value is generally the lowest-premium option Blue Cross NC offers, which makes it attractive if you're healthy and expect to use care infrequently. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 15 counties, mostly in the western Piedmont and southeastern coastal areas of the state.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your specific providers are in the Blue Value network, check your subsidy, and compare this plan against the others — at no cost. Call 800-797-0327.
Blue Value is positioned as a lower-premium option because it uses a limited network. Whether it’s actually the cheapest for you depends on your age, county, and subsidy eligibility, so get a personalized quote to confirm.
The Blue Value network includes Atrium Health Wake Forest Baptist, CaroMont Health, Duke Health Lake Norman Regional Medical Center, Duke LifePoint Healthcare, Novant Health, and UNC Health Alliance. It does not include the rest of Atrium Health, the rest of Duke Health, or WakeMed Health.
Emergency and urgent care are covered at the in-network rate anywhere. All other care outside North Carolina is covered only at the higher out-of-network benefit level, so Blue Value is best for people who get their care in NC.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
Choose your county to see every Blue Cross NC plan offered there alongside Blue Value.
