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Our coverage
Our health plans include many benefits designed to keep you healthy, save you money, and simplify your coverage:
Which plan is right for you?
Each of our plans covers different counties in North Carolina, and they come with a variety of options to choose from. To find out which plans are available in your location, enter some information to get a quote based on your personal needs.
Blue Advantage
The Blue Advantage® plan could be right for you if you want a broad choice of providers across the state and nationwide. With Blue Advantage, you get:
- Access to our largest selection of in-network doctors, specialists, and hospitals in North Carolina and nationwide through BlueCard®.
Blue Value
The Blue Value℠ plan could be right for you if you're flexible about which providers you see. With Blue Value, you get:
- A smaller selection of in-network providers statewide.
- A lower monthly premium than our Blue Advantage plans.
Blue Local with Atrium Health
Blue Local℠ with Atrium Health might be the right choice for you if you need your providers to be affiliated with Atrium Health. With this Blue Local plan, you get:
- Access to Atrium Health providers.
- Lower monthly premium costs.
Blue Home with Novant Health
Blue Home℠ with Novant Health might be the right choice for you if you need your providers to be affiliated with the Novant Health system. With this Blue Home plan, you get:
- Access to Novant Health providers.
- Lower monthly premium costs.
Blue Home with UNC Health Alliance
Blue Home℠ with UNC Health Alliance might be the right choice for you if you need your providers to be affiliated with the UNC Health Alliance system. With this Blue Home plan, you get:
- Access to UNC Health Alliance providers.
- Lower monthly premium costs.
Health and well-being benefits
Enjoy benefits and programs that can help you feel your best.
Find care that's right for you
Find in-network doctors, facilities, prescriptions, and more. Explore care options, or log in to Blue Connect℠ to search existing coverage.
Point of Blue
What else can we help you find?
Dental plans
Protect your oral health with affordable dental plan options that fit your needs and budget.
Vision plans
Choose comprehensive vision coverage with access to retail and private practice eye doctors.
Travel coverage
Visit GeoBlue to find third-party coverage that protects you while you're traveling.
Disclosures:
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) provides free aids to service people with disabilities as well as free language services for people whose primary language is not English. Please contact 888-206-4697 (TTY: 711) for assistance.
All plans may not be available in all geographic areas. This webpage contains information only. It is not your insurance policy. Your policy and application are your contract. If there is any difference between this webpage and the policy, the provisions of the policy will control.
The federal government determines eligibility and subsidy amount for health insurance plans purchased on the federally facilitated Marketplace. Details can be found at HealthCare.gov.
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Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC’s PPO Network as of July 28, 2022.
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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.
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Available on select plans in select counties.
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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.
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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 your reward. Members should consult with their tax professional on the tax treatment of any reward. Must be at least 18 years old to participate. Participation restrictions apply based on plan type. 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. Consult with your benefits administrator or visit BlueCrossNC.com/BlueRewards for full program terms and conditions.
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Telehealth benefits are available on all plans either from Blue Cross NC or through the provider network. Blue Cross NC provides the telehealth program for your convenience and is not liable in any way for the goods or services received. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notice. Decisions regarding your care should be made with the advice of a doctor. Depending on your plan, selected programs may not be available to you at this time. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you telehealth benefits.
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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 Blue Cross NC. Any disputes regarding these products and services may be subject to the Blue Cross NC grievance process. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither Blue Cross NC nor BCBSA recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. This program may be modified or discontinued at any time without prior notice.
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Blue Cross NC provides tobacco cessation and diabetes reversal programs for your convenience. Blue Cross NC is not liable in any way for the goods or services received through the respective vendors. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notification. Decisions regarding your care should be made with the advice of your doctor. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you these offerings.
GeoBlue® travel insurance is covered in 190 countries and territories worldwide through the GeoBlue® program. Blue Cross and Blue Shield Association Internal Data: about.geo-blue.com/ (Accessed July 2022).
®, ℠ Marks of the Blue Cross and Blue Shield Association. All other marks and trade names are the property of their respective owners. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association. NGFPPO-I, 5/22; NGFEPO-I, 5/22; ACAPOS-I, 5/22.
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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© 2024 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. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.