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Blue Advantage®

Our most popular individual Preferred Provider Organization (PPO) plan

With Blue Advantage, you can have access to many of the best doctors, hospitals and specialists in North Carolina. Blue Cross and Blue Shield of North Carolina’s (BCBSNC) networks are large and member copayments and coinsurance are predictable.¹ Just visit an in-network provider, show your BCBSNC ID card and pay the copayment. The doctor handles all the administrative details and files the claims. You can go directly to in-network specialists without a referral, and you can go outside the network for most services.^{2, 3} The only difference is the out-of-pocket cost.

Blue Advantage offers three plans that allow you to choose the benefits and deductible that work best for you, with costs as low as $15 for copayments and $10 for generic prescription drugs.⁴

Blue Advantage has you covered across the nation and in more than 200 countries and territories worldwide through the BlueCard® network.⁵ To find a nearby network provider, call 1-800-810-BLUE (1-800-810-2583) or search the provider directory at bcbsnc.com.

You can also purchase coverage for children. With Blue Advantage, children receive full benefits, including coverage for well-child and well-baby care and immunizations. 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.⁶

Blue Advantage provides you with access to a variety of online resources and programs designed to maximize your health care experience. Resources include Member Health Page 2 of 9 PartnershipsSM1, our confidential health management program for adults and children – offered at no additional cost – that can help you better manage health conditions like asthma and diabetes. And, our value-added Rewards and Discounts offer you member discounts on everything from vitamins to gym memberships.^{7, 8}

To be eligible for Blue Advantage, you must be a North Carolina resident, under age 65, medically eligible, and not eligible for Medicare. Enrollment takes approximately 15-30 days.

Use our handy Blue Advantage® comparison chart to review the available plan options. Be sure to jot down any questions to ask when you call to discuss a personalized plan with your IBD health insurance agent.

In the greater Raleigh area call IBD Insurance Services (919) 510-5980, or toll-free 1-800-615-5980

For costs and further details of the coverage, including exclusions, any reductions or limitations and terms under which the policy may be continued in force, contact your agent or the company.

¹ 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 the BCBSNC provider listing to identify these providers.

² Referrals may be needed for certain mental health and substance abuse services.

³ Preventive care is limited to in-network benefits.

⁴ Refers to Plan A, Preferred Tier, policy form number M58, 7/07

⁵ Blue Cross and Blue Shield Association Internal Data, 2007: www.bcbs.com/news/press/facts/bluecard.html. (09/08)

⁶ Maternity coverage is offered through Blue Advantage at an additional rate.

⁷ BCBSNC provides the Member Health Partnerships (MHP) program for your convenience and is not liable in any way for the services received. BCBSNC reserves the right to discontinue or change the program at any time. Benefits available through MHP are subject to your current benefit plan and preexisting waiting periods.

⁸Blue Extras^SM programs may not apply to all health plans. Discounts on certain goods and services may not be provided directly by BCBSNC, but may instead be arranged by BCBSNC for member convenience. Any discounts are outside your health plan benefits. BCBSNC is not liable for problems resulting from goods and services it does not provide directly, such as goods and services not being provided or being provided negligently. BCBSNC may change or discontinue these programs at any time.

NC Residents only

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Health Insurance:

Blue Advantage® [?]
Blue Advantage is a PPO plan that combines the cost savings of managed care plans with the freedom of traditional plans to choose any doctor.

Blue Options HSA^SM [?]
Blue Options HSA is a high deductible health plan that can be paired with a tax-preferred Health Savings Account

Short Term^SM [?]
Health insurance for individuals and families in times of transition and change for up to a maximum of six months

Medicare:

Medicare Supplemental [?]
Supplemental health care coverage for Medicare beneficiaries enrolled in both Medicare Parts A and B

Medicare Advantage [?]
A Medicare health plan that can combine health benefits and Medicare Prescription Drug coverage all in one

Additional Products:

Dental Insurance [?]
Quality coverage available to individuals and families with no network requirements and preventive services covered at 100%

Life Insurance [?]
Low cost term life insurance available from a wide selection of the industry’s most trusted companies

IBD Insurance Services, Inc.
3724 National Drive, Suite 110, Raleigh, NC 27612
Phone: 800 615-5980
FAX: 919 510-8876
http://www.ibdinsurance.com

ibd Insurance Services, Inc. of NC is an independent authorized BCBSNC producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by ibd Insurance Services, Inc. of NC. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.

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