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Privacy Notice and Terms & Conditions

BLUE CROSS BLUE SHIELD NORTH CAROLINA

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“This warning banner applies to the entirety of this system, meaning (1) this computer network, (2) all computers connected to this network, including this one, and (3) all devices and storage media attached to this network or to a computer on this network. This system is provided for authorized Blue Cross Blue Shield North Carolina use only. Unauthorized or improper use of this system is prohibited and may result in disciplinary action and/or civil and criminal penalties.

By using this system, you understand and consent to the following: Blue Cross Blue Shield North Carolina may monitor, record, and audit your system usage. Therefore, you have no reasonable expectation of privacy regarding any communication or data transiting or stored on this system.

At any time, and for any lawful purpose, Blue Cross Blue Shield North Carolina may monitor, intercept, and search and seize any communication or data transiting or stored on this system. Any communication or data transiting or stored on this system may be disclosed or used for any lawful Blue Cross Blue Shield North Carolina purpose.”

Attention: This website is operated by Blue Cross Blue Shield North Carolina and is not the Health Insurance Marketplace® website at HealthCare.gov. This website does not display all Qualified Health Plans (QHPs) available through HealthCare.gov. To see all available QHP options, go to the Health Insurance Marketplace® website at HealthCare.gov.

Also, you should visit the Health Insurance Marketplace® website at HealthCare.gov if:

You want to select a catastrophic health plan.
You want to enroll members of your household in dental coverage.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) provides free aids to service people with disabilities as well as free language services for people whose primary language is not English. Please contact 888-206-4697 (TTY: 711) for assistance.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) proporciona asistencia gratuita a las personas con discapacidades, asi como servicios linguisticos gratuitos para las peronas cuyo idioma principal no es inglés. Llame al 888-206-4697 (TTY: 711) para obtener ayuda.

If you use a broker or agent to help facilitate your enrollment, their compensation is based on a flat rate per member per month. In addition, your broker/agent may receive a bonus if certain sales thresholds are met. This is paid by Blue Cross and Blue Shield of North Carolina. Your monthly premium will be the same whether you choose to use a broker/agent or not.

Your actual rate is based on the deductible and plan you choose, your age, the number of family members covered and your country of residence. Deductibles, coinsurance, limitations and exclusions apply to this coverage. Further details of coverage, limitations and exclusions and terms under which the policy can be continued in force will be included in your free information packet.

Your coverage will automatically renew. Your coverage may be canceled by Blue Cross NC for fraud or intentional misrepresentation of material fact on your application or for nonpayment of premiums. Coverage for dependent children ends at the end of the month they become age 26. Members will be notified 30 days in advance of any change in coverage.

Footnotes:

Preventive care services, as defined by recent federal regulations, are covered at no charge to you in-network. Federally- and state-mandated preventive services are available out-of-network, for which members will pay deductible and coinsurance, plus charges over the allowed amount. Visit bluecrossnc.com /preventive for more details.
Three no-cost in-network PCP visits available on specific plans.
Members must be at least 18 years old to participate in the Blue Rewards program. Participation restrictions apply based on plan type. Your chance to earn Blue Rewards may be available for a limited time only. Please note that it may take time for activities to show as completed in the Blue Cross NC member portal Activity Center and for you to receive the certificate to redeem your gift card all federal, state, and local taxes on gift cards, if applicable, are the sole responsibility of the member. Members should consult their tax professional on the tax treatment of gift cards. Blue Cross NC reserves the right to change or discontinue Blue Rewards at anytime, including changing dollar amounts and available rewards, without prior notification. Consult with your benefits administrator or visit BlueCrossNC.com/BlueRewards for full program terms and conditions. NeoCurrency® is an independent company that is solely responsible for the gift card services it is providing on behalf of Blue Cross NC. NeoCurrency does not offer Blue Cross or Blue Shield products or services.
Telehealth benefits are available on all plans either from Blue Cross NC or through the provider network. Blue Cross NC provides the telehealth program for your convenience and is not liable in any way for the goods or services received. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notice. Decisions regarding your care should be made with the advice of a doctor. Depending on your plan, selected programs may not be available to you at this time. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you telehealth benefits.
Blue365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items that are covered under the policies with Blue Cross NC. Any disputes regarding these products and services may be subject to the Blue Cross NC grievance process. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither Blue Cross NC nor BCBSA recommends, endorses, warrants, or guarantees any specific Blue365 vendor or item. This program maybe modified or discontinued at anytime without prior notice.
Blue Cross NC provides tobacco cessation and diabetes reversal programs for your convenience. Blue Cross NC is not liable in any way for the goods or services received through the respective vendors. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notification. Decisions regarding your care should be made with the advice of your doctor. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you these offerings.

@2025 Blue Cross and Blue Shield of North Carolina.®, SM are marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. NGFPPO-1, 5/25; NGFEPO-1, 5/25; A.CAPOS-I, 5/25; NGFACAHMO-1. 5/25. U46059.11/25