Have you been searching for a lower-cost health plan? Well if you live in North Carolina, you now have new options to think about from N.C.’s top health insurer. BCBSNC has revealed a new product that has low premiums and streamlined benefits. It is called Blue Advantage Saver. Not only does it have low premiums, but it provides peace of mind to its consumers because they know they are covered if they encounter a tragic health event.
BCBSNC President and CEO Brad Wilson explains that “many consumers have told us they want a plan that offers a low premium, gives them some ongoing value and protects them financially from an unexpected health event. He said “Blue Advantage Saver is a bridge between the rich benefits of our traditional PPO plan, Blue Advantage, and the customer accountability of Blue Options HSA.”
There are three plan designs to choose from in the Blue Advantage Saver and they all cover preventive care at 100 percent with no cost sharing. Consumers are now able to purchase Blue Advantage Saver to get coverage that is effective January 1, 2022.
All three of the Blue Advantage Saver plans give the customer protection from unforeseen medical expenses, but the customer’s share of the cost differs with each plan. Here is a brief description of each plan design:
Blue Advantage Saver 1 – Customers can have unlimited non-preventive visits to a primary care physician, with a $25 co-payment each time.
Blue Advantage Saver 2 - Customers can go to a primary care physician for up to four non-preventive visits per year, paying a $25 co-payment each time (extra visits would be subject to deductible and coinsurance).
Blue Advantage Saver 3 – There is no limit on non-preventive visits, but each visit is subject to deductible and coinsurance.
ER visits, urgent care visits and specialist visits are all subject to deductible and coinsurance on all three Blue Advantage Saver plans. With Blue Advantage Saver 2 and 3, customers can get generic drugs for only $10, but it does not offer coverage for brand-name drugs. Blue Advantage Saver 1 does have coverage for brand-name drugs, but they are subject to deductible and co-payments or coinsurance.
Currently Blue Advantage Plan B is BCBSNC’s most popular individual plan. Compared to Blue Advantage Plan B, the Blue Advantage Saver 2 can save customers around 30 to 38 percent on their monthly premium. Blue Advantage Saver 1 could save customers around 13 to 19 percent. Deductibles for Blue Advantage Saver plans range from $1,000 to $20,000.
Blue Cross and Blue Shield of North Carolina is a leader in providing unprecedented health care products, services and information to more than 3.7 million members. For 77 years, they have offered health insurance at a competitive price and have also served the people of N.C. through support of community organizations and programs and events that encourage good health. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. You can obtain BCBSNC online at BCBSNC.com.
Consumers interested in the new Blue Advantage Saver plan can now get a free quote for the plan that is best for their needs by visiting NC Healthcare Coverage.
On August 1, Blue Cross and Blue Shield of North Carolina began a new