Disclosures:

Blue Cross and Blue Shield of North Carolina is an HMO plan with a Medicare contract. Enrollment in Experience Health Medicare Advantage (HMO) depends on contract renewal.

To join Experience Health Medicare Advantage (HMO), you must have Medicare Part A and Part B, and live in the service area (Durham, Franklin, Granville, Lee, Orange, Person, Vance or Wake counties, North Carolina). Please contact the plan for more information. Medicare beneficiaries may also enroll in Experience Health Medicare Advantage (HMO) through the CMS Medicare Online Enrollment Center located at www.medicare.gov.

This information is not a complete description of benefits. Call 833-905-1311 (TTY: 711) for more information. Other providers are available in our network. 

For accommodation of persons with special needs at sales meetings, call 833-905-1311 (TTY: 711), 8  AM  through 8  PM, 7 days a week.

The federal government requires all Medicare Advantage members to continue paying their Part B premium each month.

Blue Cross and Blue Shield of North Carolina does not discriminate based on race, ethnicity, national origin, religion, gender, age, mental or physical disability, health status, claims experience, medical history, genetic information, evidence of insurability, sexual orientation or source of payment. All Blue Cross and Blue Shield of North Carolina items and services are available to all eligible beneficiaries in the service area.

Links marked with an external site icon indicate that you're leaving BlueCrossNC.com and Blue Cross and Blue Shield of North Carolina's plan information. The site you're going to is either a third-party vendor contracted with Blue Cross NC to provide services or an external website independent of Blue Cross NC.

To view PDF documents, you need to download and install Adobe Acrobat Reader on your computer.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable throughout your health care experience.

Out-of-network / non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

ATTENTION: If you speak a non-English language, call 833-905-1311 (TTY: 711) and you will be connected to an interpreter who will assist you at no cost.

The Blue FlexCard is issued by Stride Bank, N.A., Member FDIC, pursuant to license by Mastercard International. Stride Bank is an independent company offering debit card services and is solely responsible for its products.

Blue Cross NC contracts with independent companies to provide supplemental benefits. Those companies are responsible for the services they provide. They do not provide Blue Cross or Blue Shield products or services. Marks and trade names are property of their respective owners.

Change Healthcare is an independent company providing revenue and payment cycle management on behalf of Blue Cross and Blue Shield of North Carolina.

FitOn Health is an independent company providing health and fitness services on behalf of Blue Cross and Blue Shield of North Carolina.

SilverSneakers® is a registered trademark of Tivity Health. © 2025 Tivity Health, Inc. All rights reserved. Tivity Health is an independent company providing fitness services on behalf of Blue Cross and Blue Shield of North Carolina.

TruHearing is an independent company providing hearing health and hearing aids on behalf of Blue Cross and Blue Shield of North Carolina.

1. Deductible applies to tiers 3, 4, and 5.

2. The most you'll pay out-of-pocket for in-network covered hospital and medical services in 2026. Please note that you’ll still need to pay your Part D prescription drug cost share.

Current as of 9/26/2025 | Y0079_13527_M CMS Accepted 09302025