Health care coverage
designed for you and your budget

Low-cost, high-quality options
Whether you’re looking for a traditional PPO or a high-deductible
health plan, Blue Advantage® and Blue Options HSASM,1 plans
offer choices to meet your needs and your budget. Both plans
offer protection against covered services that can be expensive.
And with either plan, you’re covered up to at least $5 million for
covered expenses over your lifetime. HSA plans have unlimited
lifetime benefits.
Preventive care coverage to keep you and
your family healthy2,3
Preventive care is important to your health. Whether it’s a routine
annual physical, a gynecological exam, or screenings for cervical
and prostate cancer, Blue Advantage and Blue Options HSA
plans provide you with coverage for a variety of preventive care
procedures. Mammography screenings, standard immunizations,
well-baby and well-child care are also included.

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
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.6
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.

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 coverage. Or, maybe
you’re recently divorced and are no longer covered by your spouse’s health 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 coverage, 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

Our traditional PPO plan

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 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