Blue Cross and Blue Shield of North Carolina® 2023 insurance plans are divided into metallic levels: bronze, silver, gold, and platinum. All Blue Cross and Blue Shield of North Carolina® 2023 insurance plans provide coverage for the ten minimum essential health benefits mandated under the Affordable Care Act, and cover preventative care services at 100%. No matter which Blue Cross and Blue Shield of North Carolina® insurance plan you choose, you will receive excellent coverage through North Carolina’s largest network of doctors and facilities.
Blue Cross and Blue Shield of North Carolina® Blue Advantage® and Blue Select℠ plans utilize the same broad network of doctors and facilities. Blue Select℠ plans, however, offer significantly lower monthly premiums by adding tier restrictions to specialty physician and facility benefits. Tier One specialty doctors and facilities have proven that they accomplish the goal of health for their patients in a timely and cost-effective way. As a result, Blue Select℠ plan members may achieve lower out-of-pocket expenses when they use a Tier One specialist or facility.
Within the Silver range of Blue Cross and Blue Shield of North Carolina® 2023 insurance plans is one of the most popular subsidized plans, the Blue Advantage® Silver 3000. This plan does not limit the number of co-pay visits allowed to the primary physician, and offers a co-pay for a visit to a specialist, making the Blue Advantage® Silver 3000 a very strong plan!
The Blue Cross and Blue Shield of North Carolina® Gold and Platinum plans represent the richest coverage benefits offered by Blue Cross and Blue Shield of North Carolina®. If you anticipate that you will utilize health care in a significant way in the coming year, the Gold or Platinum plans may prove to be the most cost-effective way for you to manage your risk.
The best way to know which of the Blue Cross and Blue Shield of North Carolina® health insurance plans is right for you and your family is to drop into The Asheville Blue Cross and Blue Shield of North Carolina® Store and speak with one of the knowledgeable agents!
WNC Health Insurance is a licensed, independent agent of Blue Cross and Blue Shield of North Carolina®.