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 Partnerships^SM1, 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.

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 pre-existing waiting periods.
8 Blue 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.

Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, ^SM Marks of the Blue Cross and Blue Shield Association. ^SM1 Mark of Blue Cross and Blue Shield of North Carolina.

Download the Blue Advantage Brochure (pdf)

Download the Blue Advantage Rate Table  (pdf)

Morrow Insurance Agency, Inc.
800 Beverly Hanks Centre
Hendersonville, NC   28792
828-694-5182
800-228-3132
fax:  828-693-5567

Della Rogers is an independent authorized producer 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 Morrow Insurance Agency, Inc.  Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association^®. Blue Cross and Blue Shield of North Carolina products can be only sold to those residing in North Carolina. ^® Registered mark of the Blue Cross and Blue Shield Association