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Shop Plans Blue Advantage Plan

Our Blue Advantage® plans for individuals and families give you access to our largest nationwide network of doctors, specialists, and hospitals.

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Plan highlights

With our Blue Advantage plan options from Blue Cross and Blue Shield of North Carolina (Blue Cross NC), you can get:

  • More in-network providers in North Carolina, with over 92% of doctors and 97% of hospitals in-network1
  • Fewer restrictions on which providers you can see
  • Nationwide access to in-network providers through BlueCard®2
  • Emergency services covered at the in-network benefit level regardless of where you go for care
Availability

Blue Advantage plans are available in most North Carolina counties.3  Use our plan finder tool to see if Blue Advantage plans are available in your area.

Limitations and Exclusions
Understanding metallic plan levels

Blue Cross NC offers health plans in 3 metallic levels. The Affordable Care Act (ACA) created metallic levels to help show the value of coverage within different plan offerings and give you a way to compare them.

Bronze level

Bronze plans typically pay 60% of covered medical costs on average, and you pay 40%.

Silver level

Silver plans usually pay 70% of covered medical costs on average, and you pay 30%.

Gold level

Gold plans generally pay 80% of covered medical costs on average, and you pay 20%.

Blue Advantage bronze plan options
PlansBronze Basic | 3 Free PCP | $20 Tier 1 Rx | Integrated | Nationwide doctorsBronze Standard | Nationwide doctorsBronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide doctorsBronze HSA Eligible4 | Integrated | Nationwide Doctors5, 6
Individual deductible (family = 2x)7$7,000$7,500$4,000$8,300
Individual out-of-pocket limit (family = 2x)7$9,200$9,200$9,200$8,300
Coinsurance850%50%50%0%
Primary care provider (PCP)9 3 x $0 / $10010$50$60Ded / 0%
Specialists9and urgent care11$150$100 / $75$120Ded / 0%
Prescription drug deductible12Integrated13Integrated13$1,000Integrated13
Prescription drug benefit$2014/ 50% / 50% / 50% / 50%$2514/ $50 / $100 / $500$2014/ $25 / $75 / $150 / 50%0% after deductible
Blue Advantage silver plan options
PlansSilver Access | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors6Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide DoctorsSilver Standard | Nationwide DoctorsSilver Choice | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors
Individual deductible (family = 2x)7$1,400$1,575$5,000$3,000
Individual out-of-pocket limit (family = 2x)7$9,200$9,200$8,000$9,200
Coinsurance850%50%40%50%
Primary care provider (PCP)93 x $0 / $25103 x $0 / $5510$403 x $0 / $4510
Specialists9and urgent care11$150$110$80 / $60$90
Prescription drug deductible12$300Integrated13Integrated13$250
Prescription drug benefit$1514 / $25 / $60 / $120 / 50%$1014/ 50% / 50% / 50% / 50%$2014/ $4014/ $80 / $350$1514/ $30 / $40 / $80 / 50%
Blue Advantage gold plan options
PlansGold Premier | 3 Free PCP | $10 Tier 1 Rx | Nationwide DoctorsGold Standard | Nationwide Doctors
Individual deductible (family = 2x)7 $1,800$1,500
Individual out-of-pocket limit (family = 2x)7 $9,100$7,800
Coinsurance8 30%25%
Primary care provider (PCP)9 3 x $0 / $1010 $40
Specialists9 and urgent care11 $40$60 / $45
Prescription drug deductible12 $400$0
Prescription drug benefit$1014 / $25 / $40 / $80 / 50%$1514 / $3014 / $60 / $250
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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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