BCBSNC NC HEALTH INSURANCE PLANS-QUOTES FOR BLUE CROSS BLUE SHIELD OF NORTH CAROLINA INDIVIDUAL-GROUP-DENTAL-LIFE-MEDICARE HEALTH INSURANCE

With Group Coverage, employers can choose from more than 1,000 benefit combinations and make choices based on their particular needs and budget. Employers can customize one of the following plans:

Blue Care® HMO - An HMO (Health Maintenance Organization) plan offering direct access to a large network of providers and specialists. Covers worldwide urgent and emergency room services.¹ Includes in-network benefits only.

Blue Options^{SM^{PPO – A preferred provider organization (PPO) with the largest network of doctors and specialists in the state. Members have the freedom to choose in- or out-of-network care and are covered across the country and in more than 200 countries and territories worldwide.1.}}

HSA – Pairs a high-deductible Blue Options^{SM^{plan with a health savings account (HSA) and offers lower premiums than traditional plans. Both employers and employees can make tax-free contributions to the HSA. Members use HSA funds to pay out-of-pocket health care expenses and enjoy negotiated provider rates, even before meeting their deductible.
The Blue Options^{SM^{and Blue Care® provider networks include many of the best doctors, hospitals and specialists in North Carolina. The networks are large and the copayments or coinsurance are predictable.² In-network doctors handle all the administrative details and file claims automatically. There’s not messy paperwork.}}

As Blue Cross and Blue Shield members, employees covered by Group Coverage also have access to a variety of resources and programs designed to maximize their health care experience. Resources include the Member Health Partnerships^{SM1^{, programs that help members manage health conditions like asthma and diabetes, and Blue Extras^SM, free value-added programs that provide members discounts on everything from vitamins to gym memberships.³.}}

® mark, ^SM marks of the Blue Cross and Blue Shield Association. ^SM1 mark of Blue Cross and Blue Shield of North Carolina.¹ Blue Cross and Blue Shield Association Internal Data, 2003.² Some services and supplies received by members in an office setting or in connection with an office visit are in fact outpatient hospital-based services provided by hospital-owned or operated practices. These services and supplies may be subject to your deductible and coinsurance.³Blue Cross and Blue Shield of North Carolina reserves the right to discontinue or change these program at any time. All plans may not be eligible for these programs.}}