Knowing the basics of insurance can help you get the most out of your plan and help you live your healthiest life.

Glossary of common insurance terms
Our health insurance glossary can help expand your understanding of common and key health insurance terms.

How to read your health insurance card
Your health insurance card is also your member ID card. It proves you're covered for services at a doctor's office, urgent care, or hospital.

Coinsurance vs copay
Understanding the difference between coinsurance and a copay can help you manage your health care costs.
Prescriptions
Most health insurance plans come with prescription drug coverage. Learn more about accessing and affording medications.

Prescription drug costs
Understanding prescription drug costs, types, and tiers can be challenging. Let us explain what goes into prescription medications and their costs.

Getting non-formulary drugs
Your doctor may suggest you take some non-formulary drugs, or those not on your approved list. Learn how to request coverage of non-formulary medications.

Drug search
Our drug search tool tells you which drugs are covered, as well as which need prior authorization.
Navigating insurance
When it comes to the logistics of insurance, we have guides to help.

Requesting prior review and authorization
Your health insurance provider may require your health care provider to submit a prior review and authorization before your plan will cover costs.

How to submit a claim
Need to submit a claim for medical services you received? Learn about when and how to file a claim.

Member forms
Whether you're looking to submit a medical claim form or find proof of coverage documents for filing your taxes, we have you covered.
Care
Knowing how to find the right care when you need it can be a challenge. Learn the basics to take control of your health.
Learn More

Choosing a primary care physician
Finding a primary care physician is an important part of maintaining your overall health. Here's how to find a primary care doctor who's right for you.

Preventive care basics
Preventive care is routine health care that helps prevent health problems. Think flu shots, cancer screenings, and blood pressure checks.

A quick guide to telehealth
Life gets busy, and sometimes getting in to see your health care provider can be challenging. That's when telehealth can help.
Get in touch with us
Our North Carolina customer service team is here to help.
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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