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Quality care with lower out-of-pocket costs

Keep you and your family healthy at a lower out-of-pocket cost with the Blue High Performance Network®.

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We're excited to bring you Blue High Performance Network (BlueHPN)

We deliver through a thoughtfully crafted provider network that includes doctors, hospitals, and a full range of specialists right in your community and across more than 68 metro areas nationwide.1 The doctors and hospitals in BlueHPN® have been carefully selected based on a commitment to keeping you and your family healthy while lowering your out-of-pocket costs.

Understanding how BlueHPN works is an important first step when receiving care. Keep reading to find out how to take full advantage of your BlueHPN benefits from Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
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Thinking about enrolling in BlueHPN? This plan could be a smart choice if you:
  • Want lower costs.
  • Prioritize quality and affordability over a broad network of providers.
  • Want higher-quality care that's better coordinated.
  • Don't mind switching if your current doctor isn't in the BlueHPN network.
  • Are located within areas covered by BlueHPN (including dependents).
A different plan may be a better fit if you:
  • Often travel to areas where BlueHPN isn't available and need routine care while there that can't be addressed by telehealth from your regular doctor at home.
  • Are located outside of a BlueHPN service area for most of the year (or have a covered dependent who is).
  • Have a preferred doctor or specialist who is not in the BlueHPN network, and you're not willing to switch to a different provider who's in-network.
  • Want a broad network of providers and are willing to pay a higher premium for that access.

For more information, talk to your benefits administrator.
How to find in-network care

For a service to be covered under your BlueHPN plan, you must receive care from providers in the BlueHPN network. Feel confident knowing the doctors and hospitals in your network are committed to providing high-quality care at a lower cost.
Access care in the member portal

To see which of your doctors, hospitals, and pharmacies participate in BlueHPN, use our Find Care tool in the Blue Cross NC member portal. You can search by location, specialty, procedure, and more.

The member portal puts your health in your hands by offering tools to manage your plan, make health care decisions, and get the most out of your BlueHPN benefits on your computer or mobile device.2 With this portal, you can:

  • See your deductible, claims, and benefits in an instant. 
  • Access your member ID card. 
  • Find doctors and reviews. 
  • Learn about healthy eating, prescription costs, and more.
  • Take advantage of additional services your employer may offer.
 Learn About the Member Portal
5 tips for getting the most out of your plan

Understanding BlueHPN coverage will make a big difference in how much you pay and ensure that you are getting high-quality care.
1) Use in-network providers

Remember to stay in-network. For treatment to be covered under your plan, you must receive care from a BlueHPN provider.

There are two exceptions:

  • Emergency care services are covered regardless of whether or not the provider is in-network.
  • Urgent care services are covered when you see a BlueHPN provider. When you are outside of a BlueHPN service area, out-of-network urgent care services are also covered.

Specific providers can be found on the member portal.
2) Know your options when traveling

Away from home but need medical care? You have options.

Use the Find Care tool within the member portal to see if BlueHPN providers are available in your location.

Telehealth or virtual visits with your primary care physician (PCP) may also be an option.

Not in a BlueHPN service area? Urgent care is covered, as is emergency care.

 
3) Manage costs

We have resources available to help you manage and understand the costs of your health care. The member portal can help you compare prices on hundreds of services, procedures, and prescription drugs covered by your plan.

  • Search and compare the cost of specific treatments like back or knee surgery.
  • Search and compare prescription drug prices.
  • Discover nearby options that may offer a better value.
  • See a breakdown of what you might pay versus what your plan might pay.
4) Take advantage of no-cost preventive care

Preventive care is routine health care that includes screenings, checkups, and counseling to help prevent illness, disease, or other health problems. It also covers well-baby visits and immunizations that can keep your family healthy.

Many preventive care services from in-network doctors are covered at 100% with no out-of-pocket costs to you as part of your health plan.3 Visit our preventive care page to review covered services and when you should get them. 
5) Reach out if you need help

You can always talk to your benefits administrator if you have questions about your benefits or coverage. We also offer several ways to get in touch or find answers. 

  • Secure email in the member portal: The secure and private inbox in the member portal is a great way to connect with customer service to ask questions about your plan.
  • Call us: For questions about your plan, bills, or claims, call the customer service number on the back of your Blue Cross NC member ID card.
  • Review your benefit booklet: Avoid costs you weren't expecting by checking what's covered and educating yourself before you go to the doctor. You can access it anytime on the member portal. 

Disclosures:

  1. Blue Cross Blue Shield Association data (April 2025). "Blue High Performance Network Talking Points.” (Accessed September 2025).

  2. 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.

  3. Preventive care services, as defined by federal regulations, are covered at no charge in-network. Federally- and state-mandated preventive services are available out-of-network, for which members will pay deductible and coinsurance, plus charges over the allowed amount. Visit BlueCrossNC.com/Preventive for more details.

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Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.

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