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 Options HSA sm
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,7 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 emergency9
- Enroll early and lock in your entry age with most plans10
- Enroll early without a waiting period for pre-existing
- Enroll early for guaranteed acceptance12
Where Integrity Matters
|Blue Advantage®, Blue Advantage
Saver sm, and Blue Options HSA sm
|Compare Blue Advantage®
Plans A, B, and C
The most popular PPO plan from Blue Cross Blue Shield of
Blue Options HSA sm pairs a high deductible health plan (HDHP)
with a health savings account (HSA) to achieve lower premiums
and savings as much as 34% off Blue Advantage.3, 4, 5 Preventive
care services cover policy holders at 100% including routine
physicals and screening tests.6
Blue Advantage offers 3 plan types which allow you to select the
benefits and deductible that works best for your situation, with
costs as low as $15 for office visit co-payments and $10 for
generic prescription drugs.1
1 Refers to Plan A, Preferred Tier, policy form number M58, 7/07
2 For Blue Advantage and Blue Advantage Saver: Prescription drug benefits are divided into four drug-formulary tiers and Blue Value into five
drug-formulary tiers with varying copayment/coinsurance amounts based on the tier placement of a drug. Prescription drug benefits vary from
plan to plan. Specific drug information can be found on the Prescription Drug Search tool at bcbsnc.com. Blue Advantage Saver plans 2 and 3
only cover generics. Blue Value has a closed formulary and only the drugs and devices on the formulary will be covered. Diabetic supplies are
covered at 75% under the prescription drug benefit. In addition, benefits are provided for over-the-counter drugs when listed as covered in the
formulary and a provider’s prescription for that drug is presented at the pharmacy. Specialty brand-name drugs require member coinsurance.
3 BCBSNC does not administer your HSA and is not affiliated with your HSA custodian or administrator. Your HSA custodian is Mellon Trust of
New England, N.A.
4 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov for specific regulations.
5 Blue Cross Blue Shield NC Internal Data, 2009: Based on Blue Advantage $2,500 deductible with 80% coinsurance and Blue Options HSA
$2,000 deductible with 80% coinsurance. Pricing is for a single male, age 40-44, residing in Wake County.
6 Includes in-network annual routine physical exam, well-baby and well-child care and certain immunizations and screenings. Other covered
services may be subject to deductible and coinsurance. Members who receive covered services out-of-network may be required to pay the
difference between the provider's actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount.
7 Based on "2008 Medicare Supplement Insurance Exhibits," published in 2009 by the National Association of Insurance Commissioners
(NAIC), as supplied by Mark Farrah.
8 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.
9 If you are out of the country more than 60 days, then there is no coverage.
10 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.
11 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.
12 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)
Authorized NC Agent
Blue Medicare Supplement sm
Health care coverage for Medicare beneficiaries
Blue Advantage Saver sm
- Limited doctors office copayments if you don't need to visit
the doctor as often.
- Monthly premium savings.
- More choices in how you pay for office visits and
A plan featuring more cost saving options
Blue Cross Blue Shield NC Health Insurance Quotes
|Apply Online Today for an
November 1st or 15th
Blue Value sm
Our lower-cost plan that helps you save through a limited
network of providers