Blue Cross Blue Shield NC Blue Advantage Review
The BlueAdvantage plans from Blue Cross & Blue Shield of North Carolina are the most popular health plans in NC right now.
A truly classically comprehensive major medical policy that offers low copays for office visits and medications, reasonable deductible for medical and rx benefits.
We love this plan because it allows our clients more options, much easier to control out of pocket expenses!
If you are looking for the “cream of the crop” or a “Cadillac Plan” then the BlueAdvantage series from BCBSNC, certainly fits the bill!
Some time savings benefit highlights:
- Wellness benefits are covered at 100% in-network!
- Flat copay for office visits.
- Very nonminal out of pocket for medications, only $10 for generics!
- Reasonable medical deductible, which you CHOOSE for hospital stays!
This is a very good fit for anyone, who is willing to spend a little more for a quality North Carolina Affordable Health Insurance plan.
Blue Cross Blue Shield NC Blue Advantage Plan Details
Benefits Summary
Plan A |
Plan B |
Plan C |
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| Available Deductibles | $1,000-$2,500 (Per Person) |
$1,000-$5,000 (Per Person) |
$3,500-$5,000 (Per Person) |
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| Coinsurance | You pay 20% | You pay 30% | You pay 50% | ||||||||||||||||||||||||||||||
| Coinsurance Maximum | $2,000 individual $4,000 family |
$3,000 individual $6,000 family |
$3,000 individual $6,000 family |
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| Preventive Care | You pay $0 | You pay $0 | You pay $0 | ||||||||||||||||||||||||||||||
| Primary Physician What would it cost if…? | $15 copayment | $25 copayment | $30 copayment | ||||||||||||||||||||||||||||||
| Specialist Physician What would it cost if…? | $30 copayment | $50 copayment | $60 copayment | ||||||||||||||||||||||||||||||
| Prescription Drugs |
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| Urgent Care | $30 copayment | $50 copayment | $60 copayment | ||||||||||||||||||||||||||||||
| Emergency Room What would it cost if…? |
$150 copayment (waived if admitted) |
$150 copayment (waived if admitted) |
$150 copayment (waived if admitted) |
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| Hospitals and Major Medical Procedures What would it cost if…? |
You pay 20% (after deductible is met) |
You pay 30% (after deductible is met) |
You pay 50% (after deductible is met) |
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| Vision | $15 copayment | $25 copayment | $30 copayment | ||||||||||||||||||||||||||||||
| Mental Health and Substance Abuse | You pay 50% after deductible is met | You pay 50% after deductible is met | You pay 50% after deductible is met | ||||||||||||||||||||||||||||||
| Other Services | You pay 20% (after deductible is met) |
You pay 30% (after deductible is met) |
You pay 50% (after deductible is met) |
source: http://www.bcbsnc.com/content/plans/individuals/blueadvantage/index.htm
Blue Cross Blue Shield NC Blue Advantage Rates
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