See all the ways your plan says YES!
YES! To more value by knowing your plan
When you know your plan, you know how to make the most of it. That includes getting the best care for the best cost and taking advantage of built-in benefits, programs and member-only discounts. Let’s get started by learning more about your Blue Cross and Blue Shield of North Carolina (Blue Cross NC) plan.
Your member ID card
Keeping your ID card with you at all times ensures that you have all your plan information on hand should you need it. You can also download a digital ID card on Blue Connect℠, your member website, or through the Blue Connect Mobile℠ app.
Key don’t-miss benefits
Health insurance explained
Everyone has questions about health insurance. It can be a complicated topic. Understanding Health Insurance explains how your insurance works and answers many common questions.
Your copayment is the amount you pay for medical services and prescriptions when you check out. Not all plans have copays.
Your deductible is the set amount you pay toward medical services and prescriptions before Blue Cross NC starts paying toward those services during your benefit period.
Your coinsurance is your share of medical costs and some prescriptions after you’ve met your deductible for your benefit period.
The maximum you will pay from your own funds for covered services in a benefit period. Once met, Blue Cross NC will pay 100% of your remaining covered services. Deductibles, copayments and coinsurance for covered medical and drug benefits apply to this limit. Premiums and non-covered services, as well as out-of-network charges beyond the allowed amount, do not apply.
An EOB shows how medical claims were processed by your plan. It includes the price of the service, how much your health plan paid, member savings and any amount you may owe. See How to Read Your EOB (PDF) for details.
Connect to your plan online
The fastest, easiest way to access your health plan is through Blue Connect or the Blue Connect Mobile app. So, log in or sign up today. With Blue Connect, you can:
Manage Your Account
Get Plan Details
Make It Simple
Lower Your Out-of-Pocket Costs
Staying in-network lowers your costs and allows doctors to provide you with coordinated care. Find in-network care and choose a PCP to get more coordinated care.
Costs for the same medical procedure can vary greatly depending on where you get care. With SmartShopper, you can:
- Compare costs of 100+ common procedures – including mammograms, colonoscopies, MRIs and more
- Receive care from a SmartShopper recommended, lower-cost provider
- Get a cash reward up to $1,000!
Get SmartShopper options through the Find a Doctor tool on Blue Connect or by phone using the Personal Assistant Team (PAT) at 877-702-6661, Monday through Thursday 8 a.m. to 8 p.m., and Fridays 8 a.m. to 6 p.m. ET.
YES! To personalized care with a primary care provider
It’s important to have a doctor you see regularly, and when they’re in-network, your out-of-pocket costs are lower. Think of your PCP as your medical “home.” Your PCP's job is to handle most of your medical needs, including routine tests and preventive care, which is 100% covered. To help you achieve the best health possible, they work together with any other doctors or specialists you see. That’s why the first thing you should do on Blue Connect is select a PCP. Don’t wait until you’re sick. Choose your doctor now, so you’re ready to go when the need arises.
Connect with your partner in health
YES! To discounts and savings from Blue365, MedsYourWay and Amazon Pharmacy
YES! To better health with more programs, tools and resources
Members can earn a one-time reward for completing a wellness exam during the calendar year. Note that in-network providers have up to 180 days from the date of service to file a claim with Blue Cross NC, which can affect how quickly you receive your reward. You can choose how we contact you in Blue Connect.
Drug discount card pricing is not insurance.
Source: Patients can save up to 80% on brand and generic medications with an average of 50% savings on brand-name diabetes medicines. Actual savings will vary. Source: insiderx.com/help (Accessed December 2022).
Source: heart.org/en/news/2022/08/11/health-conditions-a-dentist-might-find-that-have-nothing-to-do-with-your-teeth (Accessed December 2022).
Source: www.aoa.org/healthy-eyes/caring-for-your-eyes/full-picture-of-eye-health (Accessed December 2022).
Your chance to earn Blue Rewards may be available for a limited time only. Please note that it may take time for activities to show as completed in the Blue Connect℠ Activity Center and for you to receive the certificate to redeem your gift card. All federal, state and local taxes on gift cards, if applicable, are the sole responsibility of the member. Members should consult their tax professional for any advice on whether or not gift cards are considered reportable income. Rally Health is an independent company that is solely responsible for the gift card services it is providing. Rally Health does not offer Blue Cross or Blue Shield products or services. Must be at least 18 years old to participate. Participation restrictions apply based on plan type, and rewardable activities are not available for all plan types. Visit the Activity Center on Blue Connect for activities currently available to you. Blue Cross NC reserves the right to change or discontinue Blue Rewards at any time, including changing dollar amounts and available rewards, without prior notification. Visit BlueCrossNC.com/BlueRewards for full program terms and conditions. Consult with your benefits administrator or contact Blue Cross NC Customer Service for questions or support.
Blue Cross NC offers several decision support tools, such as Find a Doctor and Find Medical Cost, to aid members in making decisions around their health care experience. These tools are offered for member convenience and should be used only as reference tools. Members should consult their own legal counsel, tax advisor or personal physician as applicable throughout their health care experience.
Message and data rates may apply for SMS texting. Read the SMS Terms and Conditions to learn more.
Blue Cross NC offers wellness programs as a convenience to aid members in improving their health; results are not guaranteed. Blue Cross NC may contract with independent third-party vendors for the provision of certain aspects of our wellness programs and is not liable in any way for goods or services received from them. These vendors do not offer Blue Cross or Blue Shield products or services. Blue Cross NC reserves the right to discontinue or change our wellness programs at any time. These programs are educational in nature. They are intended to help members make informed decisions about their health and comply with their doctor’s plan of care. Decisions regarding care should be made with the advice of a doctor.
Wellframe is an independent company solely responsible for the services it provides and does not offer Blue Cross or Blue Shield products or services. The purpose of the program is to assist you in maintaining and improving your health. The services and information provided by the Blue Cross and Blue Shield of North Carolina (Blue Cross NC) nurse advocates are intended as a resource and are not intended to provide medical advice. Results are not guaranteed. Before making any decisions regarding changes in your care or medications, be sure to consult your doctor.
Blue365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items that are covered under the policies with your Blue Cross NC plan. Any disputes regarding these products and services may be subject to the Blue Cross NC grievance process. The Blue Cross Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. BCBSA does not recommend, endorse, warrant or guarantee any specific Blue365 vendor or item. This program may be modified or discontinued at any time without prior notice.
MedsYourWay is a registered trademark of Prime Therpeutics®, LLC. (Prime), MedsYourWay is a prescription drug discount card, administered by Inside Rx® LLC. MedsYourWay-Retail product compares several discount card prices on a list of qualifying drugs to offer members the lowest available price for their medication. Drug lists are subject to change. MedsYourWay discount card pricing is built into the Amazon Pharmacy shopping experience. You are responsible for the cost of your prescription(s) when using the MedsYourWay card. Limitations apply. Amazon Pharmacy does not dispense controlled substances (Schedule 2 medications). Prime, Inside Rx and Amazon Pharmacy are independent companies that are solely responsible for the services they provide. Prime, Inside Rx and Amazon Pharmacy do not offer Blue Cross or Blue Shield products or services.
FitBit, QuitlineNC, Skechers and The Produce Box are independent companies that are solely responsible for the products and/or services they provide. They do not offer Blue Cross or Blue Shield products or services.
All other marks and trade names are the property of their respective owners.
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.
© 2023 Blue Cross and Blue Shield of North Carolina. ®, SM Marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. Blue Cross NC is an abbreviation for Blue Cross and Blue Shield of North Carolina. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.