Skip to main content
Shop Plans Learn more about our coverage options including health, Medicare, dental and vision options for you, your family or your employees. Get Started Individual & Family Medicare Employer Vision Dental International Travel Find Care FAQ Blog Members Stay on top of your health care with helpful member resources. Members Home Medicare Health Dental Vision Find Care Member Knowledge Center Member Forms Medicare Forms Library Make a Payment Federal Employees Student Blue Healthy Blue Providers Access tools, policies and the latest information to help you care for our members. Providers Home Network Participation Networks & Programs Claims, Appeals & Inquiries Prior Authorization Services & CPT codes Prescription Drug Search Policies, Guidelines & Codes Provider News Provider FAQ Contact Us Employers Learn about our coverage options for small and large employers, and access tools and resources for your group. Employers Home Shop Employer Plans Employer Portal Support Member Forms & Resources Find Care Blog Agents Access the tools you need: rate quotes, applications, forms, the latest industry news, marketing materials and more. Agents Home Agent Services Check Eligibility Find Care Member Forms & Resources Medicare Forms Library
Contact Us
Log In
I am ... Please select A member A provider An employer An agent
Log in to Agent Services
Log in to Employer Services Register for Employer Services I'm registered but need portal access
Username Forgot username? Continue to Log In Register for Blue Connect Need help? Learn how to log in.
Log in to Blue e Register for Blue e Log in to Dental Blue
Back
Planning for a medical procedure? Find out what you could be paying (and saving). July 24, 2020 Cost & Savings Tools & Services Health Insurance Basics 2 MINUTE READ

How would you feel if you were expected to buy a car, a television or even a meal, without knowing first how much it will cost you? Confused? Helpless? Frustrated?

Unfortunately, that’s exactly how many of us feel when we’re faced with planning a medical test or procedure. We have no idea how much an MRI or a series of blood tests will cost – much less a medical procedure or surgery. This makes a stressful situation even harder to navigate. And if the stress wasn’t enough, lack of health care pricing transparency costs our country more than $100 billion every year. As they say in Washington: that’s real money.

Why is this happening? Because health care is the last frontier of pricing secrecy.

We’ve decided it’s time to change that.

Better data, better decisions

At Blue Cross NC, we pay thousands of health care claims every day. And with all those claims comes reams of data. Useful data. Data that might change the way people shop for health care if they had access to it.

Our data is now public. Everyone in North Carolina, whether they are our customers or not, are able to quickly search for common procedures like MRIs, knee replacements or hernia repairs and see how that cost compares between nearby hospitals.

For example, if you live in the Triangle and need a knee replacement, the price you pay could vary by as much as $21,000. Talk about real money!

All told, the tool will includes 400 non-emergency and elective procedures. This robust database means consumers have the opportunity to make more informed decisions about how they spend money on health care. And it helps tackle the problem of rising health care costs by preventing consumers for paying more when they don’t have to.

How does the new tool work?

  • The new tool allows you to search user-friendly terms, like “back” or “neck,” to find related elective procedures and their costs.
  • It also provides side-by-side cost comparisons based on our broad-network plans, Blue Advantage and Blue Options.
  • The tool is mobile friendly, so you can use it anywhere.
Get quality and cost data all in one place

The cost estimator tool allows all North Carolinians, including Blue Cross NC customers, to compare the cost and quality of medical procedures. That means you can see which doctors and hospitals are in-network, and choose the ones that rank highest for the procedure you’re planning.

For members only: Log into Blue Connect so that your plan is taken into account when viewing the procedures. The tool will then estimate your out-of-pocket costs based on your health insurance plan and deductible balance. That means fewer surprises when the bills start to hit the mailbox.

Bottom line: Facing a surgery or an imaging procedure can be stressful enough already. When you’re armed with cost information up front, you can take charge and take at least some of the uncertainty out of the equation. We think that’s a step in the right direction.

Charlene Macielag Charlene Macielag Principal Communications Specialist

Charlene Macielag is a principal communications specialist at Blue Cross NC with a passion for social media marketing and storytelling.

Browse related articles

Understanding health insurance premiums

As part of our commitment to transparency, Blue Cross NC routinely reports how we allocate premium dollars.

Navigating in-network and out-of-network charges

How knowing the difference can help you save money.

A look ahead at ACA health insurance

Here’s a look at what’s driving changes for individual ACA (Affordable Care Act) plans in 2026 — and what we’re doing to help.