All Blue Care plan options shown in the table below reflect the in-network benefit information.
Out-of-state and out-of-network coverage are not available, except for urgent and emergency services.3
Blue Care® gives you access to our largest network in North Carolina, with a broad choice of in-network doctors, specialists, and hospitals.
With Blue Care from Blue Cross and Blue Shield of North Carolina (Blue Cross NC), you can get:
- Access to a large network, with more than 92% of North Carolina doctors and 97% of North Carolina hospitals in-network1
- A lower monthly premium than Blue Advantage® plans
Blue Care plans are available in many North Carolina counties.2 Use our plan finder tool to see if Blue Care is available in your area.
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 plans typically pay 60% of covered medical costs on average, and you pay 40%.
Silver plans usually pay 70% of covered medical costs on average, and you pay 30%.
Gold plans generally pay 80% of covered medical costs on average, and you pay 20%.
| Copay plans | Bronze Standard | Statewide doctors | Silver Standard | Statewide doctors | Gold Standard | Statewide doctors |
|---|---|---|---|
| Individual deductible (family = 2x) | $7,500 | $5,000 | $1,500 |
| Individual out-of-pocket limit (family = 2x) | $9,200 | $8,000 | $7,800 |
| Coinsurance | 50% | 40% | 25% |
| Primary care provider (PCP) | $50 | $40 | $30 |
| Specialists / urgent care | $100 / $75 | $80 / $60 | $60 / $45 |
| Prescription drug deductible4 | Integrated | Integrated | $0 |
| Prescription drug copay | $255/ $50 / $100 / $500 | $205/ $405 / $80 / $350 | $155 / $305/ $605/ $2505 |
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.
Information in other languages: Español 中文 Tiếng Việt 한국어 Français العَرَبِيَّة Hmoob ру́сский Tagalog ગુજરાતી ភាសាខ្មែរ Deutsch हिन्दी ລາວ 日本語
© 2025 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.