Our most popular individual
Preferred Provider Organization (PPO) plan
With Blue Advantage, you can have access to many of the best doctors, hospitals and specialists in North Carolina. Blue Cross and Blue Shield of North Carolina's (BCBSNC) networks are large and member copayments and coinsurance are predictable.1 Just visit an in-network provider, show your BCBSNC ID card and pay the copayment. The doctor handles all the administrative details and files the claims. You can go directly to in-network specialists without a referral, and you can go outside the network for most services.2, 3 The only difference is the out-of-pocket cost.
To be eligible for Blue Advantage, you must be a North Carolina resident, under age 65, medically eligible, and not eligible for Medicare. Enrollment takes approximately 15-30 days.
So, if you want a leader in health insurance in NC and you want the best and most affordable health insurance that
Blue Cross and Blue Shield of North Carolina® has to offer then don't hesitate.
1 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. Please see the BCBSNC provider
listing to identify these providers.
2 Referrals may be needed for certain mental health and substance abuse services.
3 Preventive care is limited to in-network benefits.
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