Blue Advantage® Plans

BLUE ADVANTAGE ®
A traditional PPO (Preferred Provider Organization) 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 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.

Blue Advantage offers three plans that allow you to choose the benefits and deductible that work best for you, with costs as low as $15 for copayments and $10 for generic prescription drugs.⁴

Blue Advantage has you covered across the nation and in more than 200 countries and territories worldwide through the BlueCard® network.⁵ To find a nearby network provider, call 1-800-810-BLUE (1-800-810-2583) or search the provider directory at bcbsnc.com.

You can also purchase coverage for children. With Blue Advantage, children receive full benefits, including coverage for well-child and well-baby care and immunizations. Maternity coverage is available for an extra charge when you first purchase a policy, renew a policy (if the policy has been in effect for at least six months) or if you have a family status change, like marriage.⁶

Blue Advantage provides you with access to a variety of online resources and programs designed to maximize your health care experience. Resources include the Member Health Partnerships^SM1, created to help you better manage health conditions like asthma and diabetes, and Blue ExtrasSM, our value-added programs that give you member discounts on everything from vitamins to gym memberships.^{7, 8}

To be eligible for Blue Advantage, you must be a North Carolina resident, under age 65 and not eligible for Medicare. Enrollment takes approximately 30 days.

View Rates for: (SELECT COUNTY)		Blue Advantage® Rates
		Alamance Alexander Alleghany Anson Ashe Avery Beaufort Bertie Bladen Brunswick Buncombe Burke Caldwell Cabarrus Camden Carteret Caswell Catawba Chatham Cherokee Chowan Clay Cleveland Columbus Craven Cumberland Currituck Dare Davidson Davie Duplin Durham Edgecombe Forsyth Franklin Gaston Gates Graham Granville Greene Guilford Halifax Harnett Haywood Henderson Hertford Hoke Hyde Iredell Jackson Johnston Jones Lee Lenoir Lincoln McDowell Macon Madison Martin Mecklenburg Mitchell Montgomery Moore Nash New Hanover Northampton Onslow Orange Pamlico Pasquotank Pender Perquimans Person Pitt Polk Randolph Richmond Robeson Rockingham Rowan Rutherford Sampson Scotland Stanly Stokes Surry Swain Transylvania Tyrrell Union Vance Wake Warren Washington Watauga Wayne Wilkes Wilson Yadkin Yancey

Benefit Details	Blue Card Program	Blue Card Provider Locator	Blue Advantage vs. Blue Options HSA
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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.
4 Refers to Plan A, Preferred Tier, policy form number M58, 7/07
5 Blue Cross and Blue Shield Association Internal Data, 2007:
www.bcbs.com/news/press/facts/bluecard.html. (09/08)
6 Maternity coverage is offered through Blue Advantage at an additional rate.
7 BCBSNC provides the Member Health Partnerships (MHP) program for your convenience and is not liable in any way for the services received. BCBSNC reserves the right to discontinue or change the program at any time. Benefits available through MHP are subject to your current benefit plan and preexisting waiting periods.
8 Blue ExtrasSM programs may not apply to all health plans. Discounts on certain goods and services may not be provided directly by BCBSNC, but may instead be arranged by BCBSNC for member convenience. Any discounts are outside your health plan benefits. BCBSNC is not liable for problems resulting from goods and services it does not provide directly, such as goods and services not being provided or being provided negligently. BCBSNC may change or discontinue these programs at any time.
Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue ShieldAssociation. ®, SM Marks of the Blue Cross and Blue Shield Association. SM1 Mark of Blue Cross and Blue Shield of North Carolina.

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BlueOption HSA ^SM
Lower premiums, tax-savings options

Blue Options HSA provides lower premiums and savings as much as 35% off Blue Advantage, giving you the ability to take control of your health care costs.¹ Blue Options HSA combines a high-deductible health plan (HDHP) with a health savings account (HSA), which enables you to pay for qualified medical expenses tax-free.^{2, 3} Out-of-pocket maximums protect you from high-dollar medical costs. And, your HSA is portable. Any unused balance rolls over at the end of the year.

With Blue Options HSA, you can choose your own doctor from our largest provider network in the state. Preventive care services are covered at 100%, including routine physical exams and screening tests; well-baby and well-child care.⁴ Generic drugs coverage is unlimited and brand-name drugs include a $2,000 combined in- and out-of-network maximum (per person per benefit period).

The HSA is automatically included with the health plan if you choose Mellon Trust as the fund administrator. Mellon includes a convenient debit card at no charge, and HSA contributions and withdrawals are tax-free.^{2, 3}

To be eligible for Blue Options HSA, you must be a resident of North Carolina, between the ages of 18-65 and not eligible for Medicare. Individual or family plans are available. You can also select maternity coverage for an extra charge when you first purchase a policy, renew a policy (if the policy has been in effect for at least six months), or if you have a family status change, such as marriage⁵.

View Rates for: (SELECT COUNTY)		INDIVIDUAL	FAMILY (2+ Individuals)
		Alamance Alexander Alleghany Anson Ashe Avery Beaufort Bertie Bladen Brunswick Buncombe Burke Caldwell Cabarrus Camden Carteret Caswell Catawba Chatham Cherokee Chowan Clay Cleveland Columbus Craven Cumberland Currituck Dare Davidson Davie Duplin Durham Edgecombe Forsyth Franklin Gaston Gates Graham Granville Greene Guilford Halifax Harnett Haywood Henderson Hertford Hoke Hyde Iredell Jackson Johnston Jones Lee Lenoir Lincoln McDowell Macon Madison Martin Mecklenburg Mitchell Montgomery Moore Nash New Hanover Northampton Onslow Orange Pamlico Pasquotank Pender Perquimans Person Pitt Polk Randolph Richmond Robeson Rockingham Rowan Rutherford Sampson Scotland Stanly Stokes Surry Swain Transylvania Tyrrell Union Vance Wake Warren Washington Watauga Wayne Wilkes Wilson Yadkin Yancey	Alamance Alexander Alleghany Anson Ashe Avery Beaufort Bertie Bladen Brunswick Buncombe Burke Caldwell Cabarrus Camden Carteret Caswell Catawba Chatham Cherokee Chowan Clay Cleveland Columbus Craven Cumberland Currituck Dare Davidson Davie Duplin Durham Edgecombe Forsyth Franklin Gaston Gates Graham Granville Greene Guilford Halifax Harnett Haywood Henderson Hertford Hoke Hyde Iredell Jackson Johnston Jones Lee Lenoir Lincoln McDowell Macon Madison Martin Mecklenburg Mitchell Montgomery Moore Nash New Hanover Northampton Onslow Orange Pamlico Pasquotank Pender Perquimans Person Pitt Polk Randolph Richmond Robeson Rockingham Rowan Rutherford Sampson Scotland Stanly Stokes Surry Swain Transylvania Tyrrell Union Vance Wake Warren Washington Watauga Wayne Wilkes Wilson Yadkin Yancey

HSA Plans

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Blue Advantage vs. Blue Options HSA

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1 Blue Cross and Blue Shield of North Carolina 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.
2 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.
3 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov for specific regulations.
4 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.
5 Maternity coverage is offered through Blue Advantage at an additional rate.
Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. SM Mark of the Blue Cross and Blue Shield Association. SM1 Marks of Blue Cross and Blue Shield of North Carolina.

Additional Questions???  For more information about any health insurance products for North Carolina residents, call Advanced Benefit Plans, Inc. toll free 1-866-481-0452 or email us at benefitneeds@yahoo.com.  We take pride in rendering outstanding service to our clients.  We will go the extra mile to make sure that you receive personalized attention, while providing all your health insurance needs.

Advanced Benefit Plans, Inc. is an independent authorized producer/agency 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 Advanced Benefit Plans, Inc. Blue Cross and Blue Shield of North Carolina® is an independent licensee of the Blue Cross and Blue Shield Association.

“®, SM Mark of the Blue Cross and Shield Association. SM1 Marks of Blue Cross and Blue Shield of North Carolina.