NC Health Insurance

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Blue Cross and Blue Shield of North Carolina®, BCBSNC®

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BlueAdvantage® Plans

Blue Cross and Blue Shield of North Carolina ® BlueAdvantage® Details plan is unique in its protection. 

Imagine how you would feel if you were protected by the Blue Advantage® plan:

  • Get an annual complete physical for the cost of a copay². (You know you need an annual physical examination(3) to make sure that you won't be surprised by an unthinkable diagnosis -- too late.)

  • Visit your doctor for the cost of a copay² when you know you "just can't shake that cold".

  • Know that you have the best choice of doctors and hospitals in the BCBSNC® network.

  • Find comfort knowing that the Blue Advantage® plan also features a large network of pharmacies. (You'll pay only a copayment for most prescription drugs.¹)
Why are over 90% of insured families in NC insured by Blue Cross and Blue Shield of North Carolina®
  • Because they offer the most stable rates
  • broadest coverage
  • and the largest doctor and hospital network
  • just to mention a few reasons.

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Dental Insurance

Blue Cross and Blue Shield of North Carolina®  Dental Blue® provides protection to you and your family against large, unplanned dental bills. Dental Blue logo

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Ask for a North Carolina BCBSNC® personalized health quote,  NOW!

You will be surprised at how much you can learn, without obligation, in a short conversation.  

North Carolina Blue Options HSA(SM) plans offer families affordable, access to the best doctors, hospitals and specialists in NC.
A happy, protected family

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Already insured by BCBSNC, but need help finding a more affordable BCBSNC® plan? 

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Blue Cross and Blue Shield of North Carolina®
health plans offer remarkable protection at unsurpassed pricing. 

Reduce your overall risk, decrease your premium, and get your annual physical at no additional cost.

To make an informed decision, you will need to request a quote. Request an Insurance Quote Now  Once you have the quote, you can discuss the different plans with a highly trained agent of Blue Cross and  Blue Shield of North Carolina®.

(It will not cost you more to use an agent, and the whole experience will be less stressful.)

Richard Day - BCBSNC trained agents ready to help

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What we do for you

Our primary task is to ask you questions, determine your needs, and help you decide which plan will provide the best protection for the lowest price. We work very hard to help you

The Blue Cross and Blue Shield of North Carolina® BlueAdvantage® and BlueValueSM insurance plans are favorites of a great number of families and individuals.  When people think of NC health insurance, they think of BCBSNC®

®NC health plan that fits your needs. DO IT NOW, while you are healthy. If you wait, your health may change.s

We are your advisors.

Most people we work with need help in understanding nc health insurance plans. Take advantage of our knowledge...these are carrier direct quotes. it costs no more to use an experienced, helpful agent.

Here are some frequently asked questions:

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With the BCBSNC® Blue Advantage® plan, families gain access to the best doctors, hospitals and specialists in the state.

Interesting Health Insurance Topics

Let's get serious...

Should you go naked?

What should we do about rising health care costs?

When choosing a health plan, what factors are important to consider?

  • Make sure the network provider allows you to see the doctor and hospital that you want

  • Work with RichDayHealthPlans, your agent, to make sure that you understand your options.

Blue Cross and Blue Shield of North Carolina® (BCBSNC®) features their Blue Advantage® health plans.  These health plans have wide variety of options that will meet most individual and family budgets.

The Blue Advantage® plan is the most popular NC health insurance plan in the state, by a great margin. (It's more fun being on the winning team - go with the winner!)
Limitations & exclusions
1. Prescription drug benefits are divided into four drug-formulary tiers with varying copayment/coinsurance amounts based on the tier placement of a drug. Specific drug information can be found on the Prescription Drug Search tool at Diabetic supplies are covered at 75% under the prescription drug benefit. In addition, benefits are provided for over-the-counter drugs when listed as covered in the formulary and a provider's prescription for that drug is presented at the pharmacy. Specialty brand drugs require member coinsurance. Blue Advantage Plan B requires a $200 prescription drug deductible. Plan C requires a $500 prescription drug dedctible.

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. Please see BCBSNC® provider listing to identify these providers.

3. Preventive care is limited to in-network benefits.
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