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Shop Plans Blue Local with Atrium Health Plan

Blue Local with Atrium Health1 could be a good option if you want to get care from Atrium Health and its affiliated doctors and hospitals.

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Plan highlights

With this plan option from Blue Cross and Blue Shield of North Carolina (Blue Cross NC), you'll get care from Atrium Health, which includes:

  • Atrium Health Carolinas Medical Center – named “Best Hospital” in the Charlotte metro region2
  • Atrium Health Wake Forest Baptist, an academic health system3
  • Two children’s hospitals: Levine Children’s Hospital (nationally ranked in 10 specialties)4 and Brenner Children’s Hospital
  • Atrium Health Wake Forest Baptist Comprehensive Cancer Center – 1 of only 3 comprehensive cancer centers in North Carolina5
  • 26 hospitals and more than 712 care locations in NC and SC6

Since most doctors in this plan are in the same health care system, it's easy for them to work together to help you stay healthy.

Availability and coverage info
Available in these NC counties

Blue Local with Atrium Health plans are available in these NC counties:

  • Anson
  • Cabarrus
  • Cleveland
  • Davidson
  • Davie
  • Forsyth
  • Gaston
  • Guilford
  • Lincoln
  • Mecklenburg
  • Randolph
  • Rowan
  • Stanly
  • Stokes
  • Union
  • Wilkes
  • Yadkin
In-network and out-of-network coverage

All providers outside the Atrium Health provider network, including out-of-state providers, are considered out-of-network and not covered with Blue Local with Atrium Health.

Some of these out-of-network providers include:

  • CaroMont Health
  • Cone Health
  • Novant Health
  • As well as any of their affiliated providers

Out-of-network coverage is not included, except for emergency and urgent care services which will be covered at the in-network benefit level7.

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 Local with Atrium Health bronze plan options
PlansBronze Basic | 3 Free PCP | $20 Tier 1 Rx | Integrated | With Atrium HealthBronze Standard | With Atrium HealthBronze Complete | $60 PCP | $20 Tier 1 Rx | With Atrium Health8Bronze HSA Eligible9 | Integrated | With Atrium10, 11
Individual deductible (family = 2x)$7,000$7,500
$4,000
$8,300
Individual out-of-pocket limit (family = 2x)$9,200$9,200$9,200$8,300
Coinsurance50%50%50%0%
Primary care provider (PCP)3 x $0 / $10012$50$60Ded / 0%
Specialists and urgent care$150$100 / $75$120Ded / 0%
Prescription drug deductible13Integrated14Integrated14$1,000Integrated14
Prescription drug benefit$2015 / 50% / 50% / 50% / 50%$2515/ $50 / $100 / $500$2015/ $25 / $75 / $150 / 50%0% after deductible
Blue Local with Atrium Health silver plan options
PlansSilver Access | 3 Free PCP | $15 Tier 1 Rx | With Atrium Health11Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | With Atrium HealthSilver Standard | With Atrium HealthSilver Choice | 3 Free PCP | $15 Tier 1 Rx | With Atrium Health8
Individual deductible (family = 2x)$1,400$1,575$5,000$3,000
Individual out-of-pocket limit (family = 2x)$9,200$9,200$8,000$9,200
Coinsurance50%50%40%50%
Primary care provider (PCP)3 x $0 / $25123 x $0 / $5512$403 x $0 / $4512
Specialists and urgent care$150$110$80 / $60$90
Prescription drug deductible13$300Integrated14Integrated14$250
Prescription drug benefit$1515 / $25 / $60 / $120 / 50%$1015 / 50% / 50% / 50% / 50%$2015 / $4015 / $80 / $350$1515 / $30 / $40 / $80 / 50%
Blue Local with Atrium Health gold plan options
PlansGold Premier | 3 Free PCP | $10 Tier 1 Rx | With Atrium HealthGold Standard | With Atrium Health
Individual deductible (family = 2x)$1,800$1,500
Individual out-of-pocket limit (family = 2x)$9,100$7,800
Coinsurance30%25%
Primary care provider (PCP)3 x $0 / $1012$30
Specialists and urgent care$40$60 / $45
Prescription drug deductible13$400$0
Prescription drug benefit$1015/ $25 / $40 / $80 / 50%
$1515 / $3015 / $6015 / $25015