Health Insurance Plans for Family and Individuals

picture of family riding bikes representing family health insurance plans

Blue Advantage® Health Insurance Plans for Family and Individuals

Blue Advantage individual and family health plans provide the most comprehensive coverage along with 100% coverage on preventive care1 all while utilizing the Blue Cross and Blue Shield of North Carolina® PPO provider network.
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.
To be eligible for Blue Advantage, you must be a North Carolina resident, under age 65, medically eligible, and not eligible for Medicare.
1. Certain preventive care services are covered at 100%, before deductible, when received in an in-network office or outpatient deductible and coinsurance. When you receive preventive care out-of-network you may pay more.
2. Maternity coverage is offered through Blue Advantage at an additional rate.

Similar to Blue Advantage individual and family health plans, Blue Advantage Saver plans feature many of the benefits you find in Blue Advantage but with a lower monthly premium.
Blue Advantage Saver provides more flexibility in giving you plan options that may include limited office visits and separate deductibles for prescription drugs.
Although the Blue Advantage Saver plans are not as robust as Blue Advantage, they all have 100% coverage on preventive care and utilize the Blue Cross and Blue Shield of North Carolina® PPO provider network.
1. Certain preventive care services are covered at 100%, before deductible, when received in an in-network office or outpatient deductible and coinsurance. When you receive preventive care out-of-network you may pay more.

Coverage for preventive care and catastrophes
Combines our high-deductible health plan with a tax-advantaged savings account for qualified medical expenses
The money you contribute to your H.S.A. is tax-deductible.
Your H.S.A. rolls over from year to year. This means you keep what you put into it… Your H.S.A. – Your money.
1. Certain preventive care services are covered at 100%, before deductible, when received in an in-network office or outpatient deductible and coinsurance. When you receive preventive care out-of-network you may pay more.
2. Contribution amounts are limited to the amount established by the IRS each year.