Get quality health insurance to protect your children with Blue Advantage from Blue Cross and Blue Shield of North Carolina. BCBSNC offers a range of health plans for groups and individuals. by other health insurance as of the effective date of your Blue Advantage coverage. Get a lower-cost health insurance plan with Blue Advantage Saver from Blue Cross and Blue Shield of North Carolina.

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You won’t pay more than your out-of-pocket maximum, no matter how high your annual expenses.

BCBSNC Compare Blue Advantage to Blue Options HSA

When you receive preventive care out-of-network you may pay more out-of-pocket. For costs and further details about maternity coverage or Dental Blue, including exclusions and reductions or blueavdantage and terms under which the policy may be continued in force, see your agent or write to BCBSNC.

In some cases you may also pay a separate prescription drug deductible first before you can pay copayments. Members who receive covered bcbsn out-of-network may be required to pay the difference between the provider’s actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount. Maternity coverage is offered through Blue Advantage at an additional cost.

The content contained in this site is maintained by NCHealthplans.

After your deductible is met, you pay coinsurance until you reach your total out-of-pocket maximum amount. This plan is eligible for an HSA. After you meet your deductible, you pay your coinsurance amount. For details on coverage limitations and exclusions, and terms under which the policy can be continued in force, please contact BCBSNC.


Access your policy information, plus health information, tools and resources on your secure member site.

Other covered services may blueadvantagr subject to deductible lbueadvantage coinsurance.

Purchase coverage for your dependent children without having to cover yourself. Get a Free Quote. Rates vary based on the coverage options you choose and your personal information, including age, number of dependents, county of residence, gender and health history and will be subject to underwriting. Dental Blue is a separate product that provides dental-only coverage and is available at an additional rate.

Pre-existing condition waiting periods may also apply. You’ll have access to the largest provider network in the state, which means many of North Carolina’s best doctors and hospitals are at your fingertips. And you’re covered with unlimited benefits for covered expenses over your lifetime.

Health Plans

A separate pharmacy deductible may apply. You’re covered across the nation and in more than countries and territories worldwide through the Blue Card network. Choose from a range of options to suit your budget. Some Blue Advantage Saver plans offer limited office visits. You pay a copayment for prescription drugs. At a network pharmacy, you pay only a convenient copayment.

Compare Plans | BCBSNC

Members who receive covered services out-of-network may be required to pay the difference between the provider’s actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount. Both medical and pharmacy claims apply to the same deductible.


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. These services and supplies may be subject to your deductible and coinsurance. Includes a variety of services important to your good health. You pay toward hospital costs until your deductible is met. Deductibles, coinsurance, limitations and exclusions apply to this coverage. Before your deductible is met, you pay the total cost of your care.

You’ll get comprehensive medical coverage at rates that fit your budget. With Blue Advantage Saver you get many of the same features found in a traditional copayment plan but with more flexibility to get just the coverage you need — at a bcbsmc monthly premium. You have the freedom to see out-of-network doctors and can visit a specialist without referral.

Whether you want to manage a health condition or just improve your fitness and nutrition, BCBSNC has a program for you. Serving North Carolina residents since