Blue Cross Blue Shield of North Carolina medical insurance for the Piedmont Triad Area, Greensboro, Winston-Salem, High Point -Blue Advantage Plan and Rates

BlueAdvantage^® Plan & Rates (see below plan descriptions) 

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 (BCBSNC) 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 Member Health PartnershipsSM1, our confidential health management program for adults and children – offered at no additional cost – that can help you better manage health conditions like asthma and diabetes. And, our value-added Rewards and Discounts offer 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, medically eligible, and not eligible for Medicare. Enrollment takes approximately 15-30 days.

Rate Tables for 2009

 

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Step 1: Find the appropriate rate table for the county of residence.

Step 2: Use the appropriate table to determine the plan, the deductible and its corresponding rates for the applicant, and his/her spouse and dependents if applying for coverage.

• For dependent children, add the appropriate age band rate for every child listed on the application.
• For a child applying without parent(s), use the Child Only rate. Child(ren) applying without aparent(s) must each apply on a separate application.

Step 3: Add the Optional Maternity Benefit if applicable (use the deductible that corresponds to the deductible selected in Step Two above).

Step 4: Sum the rates.

Note: Actual rates may change based on medical underwriting review. Rates are effective from 1/1/09 through 12/31/09.