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It's open enrollment time for individuals and families.
Until January 15, you can join, switch, or drop a plan.
Our coverage
Our health plans include many benefits designed to keep you healthy, save you money, and simplify your coverage:
Which plan is right for you?
Each of our plans covers different counties in North Carolina, and they come with a variety of options to choose from. To find out which plans are available in your location, enter some information to get a quote based on your personal needs.
Blue Advantage
The Blue Advantage® plan could be right for you if you want a broad choice of providers across the state and nationwide. With Blue Advantage, you get:
- Access to our largest selection of in-network doctors, specialists, and hospitals in North Carolina and nationwide through BlueCard®.5
Blue Care
The Blue Care® plan might be right for you if you need more choices for in-network providers, doctors, facilities, and hospitals in North Carolina. With this Blue Care plan, you get:
- Access to our largest statewide network of providers in North Carolina.
- A lower monthly premium than our Blue Advantage plans.
Blue Value
The Blue Value℠ plan could be right for you if you're flexible about which providers you see. With Blue Value, you get:
- A smaller selection of in-network providers statewide.
- A lower monthly premium than our Blue Advantage plans.
Blue Local with Atrium Health
Blue Local℠ with Atrium Health might be the right choice for you if you need your providers to be affiliated with Atrium Health. With this Blue Local plan, you get:
- Access to Atrium Health providers.
- Lower monthly premium costs.
Blue Home with Novant Health
Blue Home℠ with Novant Health might be the right choice for you if you need your providers to be affiliated with the Novant Health system. With this Blue Home plan, you get:
- Access to Novant Health providers.
- Lower monthly premium costs.
Blue Home with UNC Health Alliance
Blue Home℠ with UNC Health Alliance might be the right choice for you if you need your providers to be affiliated with the UNC Health Alliance system. With this Blue Home plan, you get:
- Access to UNC Health Alliance providers.
- Lower monthly premium costs.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) also offers affordable dental plans and vision plans to help keep your teeth and eyes healthy.
Health and well-being benefits
Enjoy benefits and programs that can help you feel your best.
Find care that's right for you
Find in-network doctors, facilities, prescriptions, and more. Explore care options, or log in to Blue Connect℠ to search existing coverage.
Point of Blue
What else can we help you find?
Dental plans
Protect your oral health with affordable dental plan options that fit your needs and budget.
Vision plans
Choose comprehensive vision coverage with access to retail and private practice eye doctors.
Travel coverage
Visit GeoBlue to find third-party coverage that protects you while you're traveling.
Information about limitations and exclusions
Disclosures:
All plans may not be available in all geographic areas. This webpage contains information only. It is not your insurance policy. Your policy and application are your contract. If there is any difference between this webpage and the policy, the provisions of the policy will control.
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Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's PPO Network as of May 31, 2024.
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Blue Cross NC offers wellness programs as a convenience to aid members in improving their health; results are not guaranteed. Blue Cross NC may contract with independent third-party vendors for the provision of certain aspects of our wellness programs and is not liable in any way for goods or services received from them. These vendors do not offer Blue Cross or Blue Shield products or services. Blue Cross NC reserves the right to discontinue or change our wellness programs at any time. These programs are educational in nature. They are intended to help members make informed decisions about their health and comply with their doctor’s plan of care. Decisions regarding care should be made with the advice of a doctor.
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Available on select plans in select counties.
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Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable throughout your health care experience.
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BlueCard® coverage varies for each Blue Cross Blue Shield Plan. For more complete details, including benefits, limitations and exclusions, please refer to your certificate of coverage.
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Your chance to earn Blue Rewards may be available for a limited time only. Please note that it may take time for activities to show as completed in the Blue Connect℠ Activity Center and for you to receive your reward. Members should consult with their tax professional on the tax treatment of any reward. Must be at least 18 years old to participate. Participation restrictions apply based on plan type. Blue Cross NC reserves the right to change or discontinue Blue Rewards at any time, including changing dollar amounts and available rewards, without prior notification. Consult with your benefits administrator or visit BlueCrossNC.com/BlueRewards for full program terms and conditions.
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Telehealth benefits are available on all plans either from Blue Cross NC or through the provider network. Blue Cross NC provides the telehealth program for your convenience and is not liable in any way for the goods or services received. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notice. Decisions regarding your care should be made with the advice of a doctor. Depending on your plan, selected programs may not be available to you at this time. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you telehealth benefits.
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Blue365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items that are covered under the policies with Blue Cross NC. Any disputes regarding these products and services may be subject to the Blue Cross NC grievance process. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither Blue Cross NC nor BCBSA recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. This program may be modified or discontinued at any time without prior notice.
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Blue Cross NC provides tobacco cessation and diabetes reversal programs for your convenience. Blue Cross NC is not liable in any way for the goods or services received through the respective vendors. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notification. Decisions regarding your care should be made with the advice of your doctor. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you these offerings.
Preventive care services, as defined by federal regulations, are covered at no charge in network. Federally- and state-mandated preventive services are available out-of-network, for which members will pay deductible and coinsurance, plus charges over the allowed amount. Visit BlueCrossNC.com/Preventive for more details.
GeoBlue® travel insurance is covered in 190 countries and territories worldwide through the GeoBlue® program. Blue Cross and Blue Shield Association Internal Data: about.geo-blue.com/ (Accessed October 2024).
Better claims coverage compared to the national average, Pollitz, K., Lo, J., Wallace, R., Mengistu, S. (2023, February 9). Claims Denials and Appeals in ACA Marketplace Plans in 2021. Kaiser Family Foundation (KFF). https://www.kff.org/private-insurance/issue-brief/claims-denials-and-appeals-in-aca-marketplace-plans/ (Accessed September 2023).
Plans as low as $0 is based on Internal Blue Cross and Blue Shield of North Carolina data, 2024. Includes any applicable subsidy from the federal government that determines eligibility and subsidy amount for plans purchased on the federally facilitated Marketplace.
3 PCP visits available on select plans.
Blue Cross NC has collaborated with Atrium Health to bring you Blue Local℠ with Atrium Health, Novant Health to bring you Blue Home℠ with Novant Health, and UNC Health to bring you Blue Home℠ with UNC Health Alliance. Blue Local with Atrium Health, Blue Home with Novant Health and Blue Home with UNC Health Alliance are health insurance plans offered by Blue Cross NC that provide access to limited networks of providers. Atrium Health, Novant Health and UNC Health are independent companies that are solely responsible for the physicians and medical facilities they own and operate. These companies do not offer Blue Cross or Blue Shield products or services.
Your actual rate is based on the deductible and plan you choose, your age, the number of family members covered and your county of residence. Deductibles, coinsurance, limitations and exclusions apply to this coverage. Further details of coverage, limitations and exclusions, and terms under which the policy can be continued in force, will be included in your free information package.
®, ℠ Marks of the Blue Cross and Blue Shield Association. All other marks and trade names are the property of their respective owners. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association. NGFEPO-I, 5/24; NGFPPO-I, 5/24; ACAPOS-I, 5/24; NGFACAHMO-I, 5/24.
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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. Learn more about our non-discrimination policy and no-cost services available to you.
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© 2024 Blue Cross and Blue Shield of North Carolina. ®, SM Marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.