Blue Advantage is a PPO plan – a preferred provider organization
plan – which means you pay convenient copayments or coinsurance
for things like primary care visits, specialist office visits and
prescription drugs.9 Deductibles as low as $250 per person

Offers convenient copayments for most prescription drugs
purchased at a network pharmacy.4 (A separate prescription
deductible may apply.)
Blue Options HSA pairs our most popular Individual health in Charlotte NC plan design, the PPO,
with a high-deductible private health insurance plan in NC. Before your deductible is met, you
pay the total cost of your care – and you receive a discount when you
visit an in-network provider, except for certain preventive care services.
After your deductible is met, you pay coinsurance until you reach your
total out-of-pocket maximum amount.
Offers low-cost premium options to fit most budgets. Offers lower premiums typical of high-deductible health plans.
With Blue Options HSA plan premiums, you could save as much as
56% off Blue Advantage premiums.10
Deductibles as low as $250 per person. Deductibles as low as $1,200 for an Individual plan,
$2,400 for a Family plan.8
Offers preventive care coverage for a variety of services important
to your good health.2
Offers 100% coverage for most preventive care services before your
deductible is met.3
Offers convenient copayments for most prescription drugs
purchased at a network pharmacy.4 (A separate prescription
deductible may apply.)
Offers coverage for prescription drugs. Discounts available in network. After
you meet your deductible, you pay your coinsurance amount. Meanwhile,
both medical and pharmacy claims apply to the same deductible.
Offers an option for a maternity rider for adult female subscribers or enrolled spouses (age 18 and over) at an additional cost to your plan premium.11
You can choose to purchase Dental Blue for Individuals SM , a separate plan that provides dental-only coverage at an additional cost to
your health plan premium.12
Offers separate coverage for dependent children without you having to cover yourself. Child-only HSA policies are not eligible to receive tax advantages.
Easy to use with no claims to file in network. Online access 24/7 to
Member Services.
Easy to use with no claims to file in network. HSA funds are easy to
access with a convenient debit card or checks. Online access 24/7 to
Member Services and “Manage my HSA” online account management.
None. HSA contributions are tax deductible.13 Withdrawals and interest are
tax free.7 HSA funds spent on qualified medical expenses are tax free.7
Account balances roll over every year and can be invested.14
Our traditional PPO plan Our high-deductible health plan with
a tax-advantaged savings account for
qualified medical expenses7

Prescription drug coverage plus greater
savings with generics
Blue Advantage4 and Blue Options HSA plans feature
prescription drug coverage through a large network of
pharmacies. And you’ll save money when you purchase generic
drugs. Your provider can give you additional information about
generic drugs and lower-cost alternatives for your prescriptions

Extensive provider network for Health Insurance
Blue Advantage and Blue Options HSA plans offer access to an
extensive statewide provider network, which means many of
North Carolina’s best doctors and hospitals are at your fingertips.
With both plans, you have the freedom to receive care in or out
of network – and you don’t need a referral to see a specialist.5
When you’re traveling, you’re covered across the nation and in
more than 200 countries and territories worldwide through the
BlueCard® network

Commitment to quality… then, now, always
For over 75 years, North Carolinians have depended on
Blue Cross and Blue Shield of North Carolina for their health
coverage. We have a tradition of providing plans and programs
that improve the health of our communities. And we remain
committed to being your plan for better health.

Premium
A periodic payment made to BCBSNC to keep your health
insurance policy active. Premiums are separate from other costs,
like copayments, deductibles and coinsurance.
Copayment
A fixed dollar amount that you pay to a provider at the time certain
Blue Advantage-covered services are provided. For example, the
price you pay for an office visit or a prescription medication.

Life stages
Find out what you need
As your life changes, so do your health coverage needs. The Life stages chart displayed below will help you
determine which plan could meet your current needs. Take a look at the life stage that sounds most like yours
and review our recommended plans. Wherever you are, we’re here to help.

Life stage Is this you? Just starting out Since graduation, you’ve had a lot to think about – which job to take, where to live and how to keep up
with new living expenses. Among these important decisions should be which health care plan will give
you the coverage you want at a price you can afford. So whether you’re used to your parents’ traditional
copayment plan but need lower premiums, or you’re in good health and ready for a high-deductible plan
with low premiums, we have options for quality coverage that will keep your budget on target.

Starting or
raising a family
Preventive care coverage is important to keep your family healthy. That’s why our plans cover standard
immunizations, well-baby care and well-child care.2,3 You’re also covered for a variety of preventive care
procedures and routine annual exams. You can choose a traditional PPO plan with low copayments, fast
and easy access to an extensive provider network, and access to specialists without a referral.5 Or, you
can choose a high-deductible health plan that covers 100% of certain preventive care services3 even
before you meet the deductible

Self-employed or
on your own
Maybe you’re self-employed or working for a company that doesn’t offer health insurance coverage in Charlotte NC. Or, maybe
you’re recently divorced and are no longer covered by your spouse’s health insurance plan. Whatever your life’s
challenges, we have a variety of traditional PPO and high-deductible plans that empower you to make
good decisions about your health insurance coverage in Charlotte NC, your budget and your future

Retiring early You worked hard. You played smart. Now you’re ready to retire early. You earned it, so you deserve
health coverage options that will protect your health and your investments. Blue Options HSA offers a
tax-free way to help you pay for current or future out-of-pocket health care expenses.7 And annual outof-
pocket maximums mean your savings can be protected from high-dollar covered services.8 So, when
you’re ready to do the traveling you’ve always dreamed about, you can keep your mind on the road, not
on your health coverage.

Between jobs For a variety of reasons, planned or unplanned, people find themselves changing jobs or suddenly
between jobs. That’s why we offer low-premium options for traditional PPO plans or high-deductible
health plans that can get you covered within 15 days of application. Child-only
coverage
When you need coverage just for your child, our Blue Advantage and Blue Options HSA plans can
provide health coverage to protect your most important priority. Select from a variety of premium levels
with options for copayment and deductible amounts.
!

Blue Advantage is a PPO plan – a preferred provider organization
plan – which means you pay convenient copayments or coinsurance
for things like primary care visits, specialist office visits and
prescription drugs.9

Offers low-cost premium options to fit most budgets.

Deductibles as low as $250 per person

Offers preventive care coverage for a variety of services important
to your good health

Offers convenient copayments for most prescription drugs
purchased at a network pharmacy.4 (A separate prescription
deductible may apply.)

Offers an option for a maternity rider for adult female subscribers or enrolled spouses (age 18 and over) at an additional cost to your plan premium.11
You can choose to purchase Dental Blue for Individuals SM , a separate plan that provides dental-only coverage at an additional cost to
your health plan premium.12
Offers separate coverage for dependent children without you having to cover yourself. Child-only HSA policies are not eligible to receive tax advantages

Easy to use with no claims to file in network. Online access 24/7 to
Member Services

HSA Plan

Our high-deductible health plan with
a tax-advantaged savings account for
qualified medical expenses7

Blue Options HSA pairs our most popular health plan design, the PPO,
with a high-deductible health plan. Before your deductible is met, you
pay the total cost of your care – and you receive a discount when you
visit an in-network provider, except for certain preventive care services.
After your deductible is met, you pay coinsurance until you reach your
total out-of-pocket maximum amount.

Offers lower premiums typical of high-deductible health plans.
With Blue Options HSA plan premiums, you could save as much as
56% off Blue Advantage premiums

Deductibles as low as $1,200 for an Individual plan,
$2,400 for a Family plan.8

Offers 100% coverage for most preventive care services before your
deductible is met

Offers coverage for prescription drugs. Discounts available in network. After
you meet your deductible, you pay your coinsurance amount. Meanwhile,
both medical and pharmacy claims apply to the same deductible

Offers an option for a maternity rider for adult female subscribers or enrolled spouses (age 18 and over) at an additional cost to your plan premium.11
You can choose to purchase Dental Blue for Individuals SM , a separate plan that provides dental-only coverage at an additional cost to
your health plan premium.12
Offers separate coverage for dependent children without you having to cover yourself. Child-only HSA policies are not eligible to receive tax advantages.

Regular preventive care can help you stay in better overall health.
Make sure you understand how your preventive care benefits work,
and be sure to take advantage of them.

Easy to use with no claims to file in network. HSA funds are easy to
access with a convenient debit card or checks. Online access 24/7 to
Member Services and “Manage my HSA” online account management

HSA contributions are tax deductible.13 Withdrawals and interest are
tax free.7 HSA funds spent on qualified medical expenses are tax free.7
Account balances roll over every year and can be invested

Common terms
and definitions
Knowing the definitions of some common
terms associated with health insurance may
help you make better decisions about which
plan is right for you