Individual and Family Health Plans

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Blue Advantage®

  • Blue Advantage provides the most comprehensive coverage along with 100% coverage on preventive care1 all while utilizing Blue Cross and Blue Shield of North Carolina® PPO provider network.
  • Maternity coverage is available for an extra charge when you first purchase a policy, renew a policy (if the policy has been in effect for at least six months) or if you have a family status change, like marriage.
  • To be eligible for Blue Advantage, you must be a North Carolina resident, under age 65, medically eligible, and not eligible for Medicare.
    1. Certain preventive care services are covered at 100%, before deductible, when received in an in-network office or outpatient deductible and coinsurance. When you receive preventive care out-of-network you may pay more.
    2. Maternity coverage is offered through Blue Advantage at an additional rate.

Blue Advantage Saver℠

  • Similar to Blue Advantage, Blue Advantage Saver plans feature many of the benefits you find in Blue Advantage but with a lower monthly premium.
  • Blue Advantage Saver provides more flexibility in giving you plan options that may include limited office visits and separate deductibles for prescription drugs.
  • Although the Blue Advantage Saver plans are not as robust as Blue Advantage, they all have 100% coverage on preventive care and utilize Blue Cross and Blue Shield of North Carolina® PPO provider network.
    1. Certain preventive care services are covered at 100%, before deductible, when received in an in-network office or outpatient deductible and coinsurance. When you receive preventive care out-of-network you may pay more.

Blue Options HSA℠

  • Coverage for preventive care and catastrophes
  • Combines our high-deductible health plan with a tax-advantaged savings account for qualified medical expenses
  • The money you contribute to your H.S.A. is tax-deductible.
  • Your H.S.A. rolls over from year to year. This means you keep what you put into it… Your H.S.A. – Your money.
    1. Certain preventive care services are covered at 100%, before deductible, when received in an in-network office or outpatient deductible and coinsurance. When you receive preventive care out-of-network you may pay more.
    2. Contribution amounts are limited to the amount established by the IRS each year.

Dental Blue℠

  • The ability to choose any licensed dentist in North Carolina
  • Save money by choosing a participating specialist
  • No deductible for checkups and other preventive and diagnostic services