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Shop Plans Blue Care Plan

Blue Care® gives you access to our largest network in North Carolina, with a broad choice of in-network doctors, specialists, and hospitals.

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Plan highlights

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
Availability

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.
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 Care options in bronze, silver, and gold levels

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
Copay plansBronze Standard | Statewide doctorsSilver Standard | Statewide doctorsGold 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
Coinsurance50%40%25%
Primary care provider (PCP)$50$40$30
Specialists / urgent care$100 / $75$80 / $60$60 / $45
Prescription drug deductible4IntegratedIntegrated$0
Prescription drug copay$255/ $50 / $100 / $500$205/ $405 / $80 / $350$155 / $305/ $605/ $2505
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Disclosures:

Benefits and premium depend on plan selected.

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.

  1. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's Network as of April 7, 2025.

  2. Blue Care® plans are available in many North Carolina counties, except in Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Guilford, Johnston, Lee, Lincoln, Mecklenburg, Nash, Orange, Person, Randolph, Rowan, Stanly, Stokes, Union, Wake, Wilkes, and Yadkin.

  3. Out-of-network benefit coverage is not available except for emergency services, urgent care, and for medically necessary covered services when an in-network provider is not reasonably available per access to care standards of Blue Cross NC. Out-of-network urgent care and emergency services are covered at the same cost share level as in-network urgent care and emergency services.

  4. Prescription drug deductible must be met before your plan begins to pay for prescriptions except when indicated otherwise.

  5. Prescription drug costs are not subject to the deductible.

How to pick a health insurance plan: The health plan categories: Bronze, Silver, Gold & Platinum (healthcare.gov)

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.

NGFACAHMO-I, 5/24. U47313, 4/25

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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