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Traditional copayment plan Access to our largest network of doctors with the freedom to see the doctor you want and access to specialists without referral (2)
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High-deductible health plan paired with a health savings account (3) A deductible and coinsurance plan that can cut your premium costs and offer significant tax advantages
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Minimum Deductible
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$250 deductible per person
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$1,100 for an individual plan $2,200 for a family plan (4)
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Copayment for office visits
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Yes. Just present your BCBSNC ID card and pay a convenient copayment when in network. (5)
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No. Before your deductible is met, you pay the total cost of your care. After your deductible is met, you pay coinsurance until you reach your total out-ofpocket maximum amount.
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Prescription drug coverage
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Yes. At a network pharmacy, you pay only a convenient copayment. (6) (A separate pharmacy deductible may apply.)
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Yes. After you meet your deductible, you pay your coinsurance amount. (Both medical and pharmacy claims apply to the same deductible.)
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Tax advantages
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No
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Yes. HSA contributions are tax deductible. HSA withdrawals and interest are tax free.(7)
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Largest provider network in the state
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Yes. Plus the freedom to go outside the network. Includes coverage across the nation and worldwide. (8)
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Yes. Plus the freedom to go outside the network. Includes coverage across the nation and worldwide. (8)
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Preventive care coverage
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Yes. Includes a variety of services important to your good health.
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Yes. To ensure your good health, a variety of services are covered at 100% before you reach your deductible. (9)
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Eligible for an HSA
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No
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Yes. Your HSA is automatically included when you enroll in the plan.
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