With Blue Select, we’ve tiered benefits and providers to help you
make the most of your health care spending. We evaluated
doctors and specialist physician practices on their quality
outcomes, cost efficiency, and accessibility and created two
categories. Tier 1 are providers who received our top ratings,
and you’ll receive a richer benefit when you choose these
providers. Tier 2 are providers who still meet our usual standards
for being part of the network, and you’ll receive a less rich benefit
when you choose these providers.
By tiering the benefits and providers, you’ll save up to 6%3
on your monthly premium and have a clear way to save more
money by choosing Tier 1 providers.
- Savings up to 6%3
- A large network of providers to choose from.
- More prescription drug requirements and a smaller
pharmacy network help you save
Blue Value is a point-of-service (POS) product, which is an
HMO with in-network and out-of-network benefits with
copayments for doctor visits and prescription drugs. 2
It features the great coverage you’ve come to expect from
BCBSNC. We’ve collaborated with providers across the
state to offer you a plan with a smaller, more streamlined
network of providers. You can enjoy savings simply by
visiting participating Blue Value providers.
*Only the drugs and devices listed on our formulary will be covered under this plan.
- Smaller provider network helps keep your premiums low
- Limited pharmacy network and closed drug formulary* help
Blue Advantage ®
Medicare only covers a portion of your medical costs. But with
Blue Cross and Blue Shield of North Carolina, the state's largest
Medicare supplement insurer,4 you can stop worrying about the
costs that Medicare doesn't cover with our Blue Medicare
- You can see any Medicare-participating doctor that you
- Easy to use and virtually no claims to file
- You're covered in case of an emergency6
- Enroll early and lock in your entry age with most plans7
- Enroll early without a waiting period for pre-existing
- Enroll early for guaranteed acceptance9
Where Integrity Matters
The most popular PPO plan from Blue Cross Blue Shield of
If you want to save money on premiums, beneﬁt from tax-
advantaged savings and take greater control over your health
care expenses, consider a BCBSNC bronze-level plan with a
Health Savings Account (HSA). There are both Blue Advantage
and Blue Value plans available that you can pair with an HSA.
Blue Advantage offers a wide choice of doctors, specialists and
hospitals with a large network.
- The Blue Advantage network includes 91% of doctors and
99% of hospitals1
- Fewer prescription drug requirements
- No referrals necessary
- Plan pays 100% of preventive services2
1 Consortium Health Plans, Inc., MarketQuest Network Compare, April 2013
2 Preventive care services as defined by recent federal regulations are covered at no charge to you. For Blue Advantage, Blue Select and Blue
Value: Coverage for certain preventive care services (such as routine physical exams, well-baby and well-child care, and immunizations) is
limited to in-network benefits only. However, state-mandated preventive services are available out-of-network, for which members will pay
deductible and coinsurance, plus charges over the allowed amount. Visit bcbsnc.com/preventive for more details.
3 BCBSNC Internal Data, January 2014. Premium difference for Blue Select compared to a comparable Blue Advantage plan with $1,000
Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design selected.
4 Based on "2008 Medicare Supplement Insurance Exhibits," published in 2009 by the National Association of Insurance Commissioners
(NAIC), as supplied by Mark Farrah.
5 This is only a summary of benefits describing the policies' most important features. The policy is the insurance contract. You must read the
policy itself to understand all the rights and duties of both you and your insurance company. These policies may not fully cover all of your
medical costs. Neither Blue Cross and Blue Shield of North Carolina nor its agents are connected with Medicare.
6 If you are out of the country more than 60 days, then there is no coverage.
7 For entry age plans the following applies: When you enroll you will lock in your entry age forever as long as you stay in the Medicare
supplement plan that you initially chose. Any rate adjustments will only be due to medical inflation or overall claims experience. Rates are
subject to change but you alone will not be singled out for premium increases based on your health or age. Rates are subject to change June
1st of each year and are guaranteed for 12 months. Any change in your rate will be preceded by a 30-day notice.
8 Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician
within six months before the effective date of coverage. If enrollees wait until after the deadline to enroll they may have a waiting period for
pre-existing conditions and may have to complete a medical questionnaire.
9 You cannot be turned down for Blue Medicare Supplement with Blue Cross Blue Shield NC if you meet the following: you're eligible for
Medicare; you enroll within six months of enrolling in Medicare Part B; you're a resident of North Carolina; and you're not covered by certain
Goebelt Insurance Services, Inc. and David Goebelt are an independent authorized agency/producer licensed to sell and promote products
from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Goebelt Insurance Services,
Inc. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
Blue Cross Blue Shield of North Carolina's high-deductible
health plan (HDHP)
Blue Medicare Supplement sm
Health care coverage for Medicare beneficiaries
Blue Cross Blue Shield NC Health Insurance Quotes
Blue Value sm
Our lower-cost plan that helps you save through a limited
network of providers
Blue Select sm
Blue Select is a tiered benefit plan that features our