BCBSNC NC HEALTH INSURANCE PLANS-QUOTES FOR BLUE CROSS BLUE SHIELD OF NORTH CAROLINA INDIVIDUAL-GROUP-DENTAL-LIFE-MEDICARE HEALTH INSURANCE

Blue Assurance^SM gives you “no-hassle” eligibility with benefits similar to Blue Cross and Blue Shield of North Carolina’s (BCBSNC) standard plans.^{1, 2} Get the convenience of our large network, plus a wide variety of health benefits and services. Doctor visits, preventive and emergency care, hospital stays, prescription medication, maternity care, inpatient and outpatient surgical care, physical therapy and more are included.^{3, 4, 5}

Blue Assurance offers you three deductible options: $100, $500 or $1,000. Once you’ve met the deductible, BCBSNC pays 80 percent of your covered services. Once the individual coinsurance maximum of $2,500 is met, your benefits are paid at 100 percent of covered services for the rest of the benefit period(Unlimited Lifetime Limit).^{6, 7}And, with BCBSNC’s Family plan, you can have a maximum of three individual deductibles allotted each year.

To be eligible for Blue Assurance, you must be a resident of North Carolina, between the ages of 18-65 and not covered under any other health care coverage, including Medicare or Medicaid.

¹ Other individual policies are available. If you feel you may qualify for one of these products, please call your local agent. These programs require a formal health appraisal process known as medical underwriting.
² Your coverage will be effective at least 30 days, but no more than 60 days, after the date the application is signed.
³ Maternity coverage is available to all adult female members; maternity benefits for dependent children cover only treatment for complications of pregnancy.
⁴ Inpatient mental health and substance abuse care is covered at 50% after your deductible is met and limited to a $10,000 lifetime maximum per member, provided in all places of service. Mental health and substance abuse care is also limited to $2,000 per benefit period, per member, provided in all places of service. Skilled nursing facility care is limited to 60 days per benefit period. Short-term therapy is limited to 30 visits per benefit period for speech therapy and 30 visits per benefit period for combined physical therapy and occupational therapy.
⁵ Skilled nursing facility care is limited to 60 days per benefits period. Short-term therapy is limited to 30 visits per benefits period for speech therapy and 30 visits per benefits period for combined physical therapy and occupational therapy.
⁶ Your actual expenses for covered services may exceed the stated coinsurance percentage because actual provider charges may not be used to determine the health benefits plan’s and member’s payment obligations.
⁷ Your deductible does not apply to your coinsurance maximum. Mental health, substance abuse and prescription drug charges also do not apply to your coinsurance maximum. There is no family coinsurance maximum. Each individual covered under the policy must meet his or her own coinsurance maximum.

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