An HMO (Health Maintenance Organization) plan offering direct access to a large network of providers and specialists. Covers worldwide urgent and emergency room services.¹ Includes in-network benefits only.

As Blue Cross and Blue Shield members, employees covered by Group Coverage also have access to a variety of resources and programs designed to maximize their health care experience. Resources include the Member Health Partnerships^{SM1, programs that help members manage health conditions like asthma and diabetes, and Blue ExtrasSM, free value-added programs that provide members discounts on everything from vitamins to gym memberships.3.}

® mark, ^SM marks of the Blue Cross and Blue Shield Association. ^SM1 mark of Blue Cross and Blue Shield of North Carolina. ¹ Blue Cross and Blue Shield Association Internal Data, 2003. ² 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. ³Blue Cross and Blue Shield of North Carolina reserves the right to discontinue or change these program at any time. All plans may not be eligible for these programs.