Individual and Family Policies

Blue Advantage^® Plan (PPO)

For great coverage for you or your whole family, we have the solution that's right for you. We can also help you coordinate transition of coverage from your existing policy if you are nearing the end of your coverage.

With great flexibility and dependability, we have the right solution for you.

Blue Advantage^® Brochure
Blue Advantate^® Benefit Table

Health Savings Account Plans (HSA)

Health Savings Account (HSA) plans combine a higher–deductible PPO plan with a Health Savings Account.

The savings accounts are for medical expenses that allow you to pay for current and future medical costs tax–free.

High-deductible health plans have lower premiums than standard plans, making your health coverage even more affordable. Together, a high–deductible health plan and an HSA create an opportunity for big monthly savings.

Blue Options HSA^SM Handbook
Summary of benefits for Blue Options^SM HSA plans
Blue Options HSA^SM 2012 Benefit Table

Blue Advantage Saver ^SM

A Plan Featuring More Cost-Saving Options

With Blue Advantage Saver^SM

• You get many of the features found in Blue Advantage®
• You have more flexibility, getting just the coverage you need at a lower monthly premium
• Preventive care is covered at 100% ¹

A plan featuring more cost-saving options

• Limited office visit copayments for those who don't need to visit the doctor as often
• Lower monthly premiums
• More choices in how you pay for doctors visits and prescription drugs

How Blue Advantage SaverSM works ²

Going to a Doctor or Specialist

All plans offer comprehensive coverage for preventive care. Some Blue Advantage Saver^SM plans offer limited office visits. If you go more than the set number of visits, you'll have to pay out of pocket toward your deductible.

Going to the Pharmacy

You pay a copayment for your prescription drugs. In some cases, you may also have to pay a separate prescription drug deductible first before you can pay copayments toward prescription drugs.

Going to the Hospital

You pay toward hospital costs until your deductible is met. After that, you and BCBSNC share the medical costs (this is known as coinsurance) until your coinsurance maximum is met. After that, BCBSNC pays for all of your covered medical services (except for copayments).

Send us an e-mail, or complete a quote request, and we'll be happy to reply with more information and pricing on HSAs or traditional PPO Plans like Blue Advantage.

Contact Us for more information on Individual & Family Plans or any of our products.

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1 Certain preventive care services are covered at 100%, before deductible, when received in an in-network office or outpatient setting. Other covered services may be subject to deductible and coinsurance. When you receive preventive care out-of-network you may pay more. Visit bcbsnc.com/preventive for a full list of preventive services.

2 The figures on this page are for illustrative purposes only. The examples provided on this page relate to in-network services only. When using out-of network providers, in addition to deductible and coinsurance amounts, you may be responsible for the difference between the BCBSNC allowed amount and the provider's actual charge.

^SMService mark of the Blue Cross and Blue Shield Association

Please Note: Blue Cross and Blue Shield of North Carolina products are only available to residents residing within the state of North Carolina