Health Plans

The NCBA Health Plan is for firms of all sizes, serving sole-practitioners to firms over 100 employees. Our program was designed by NC lawyers for NC lawyers. We are self-funded through the NC Bar Association Health Benefit Trust, which provides the financial strength and flexibility to meet your needs. 

 PPO and HDHP Comparison Chart

HBT PLAN 1

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$750 individual/$1500 family in network
Out of Pocket Limit:
$1500 individual/$3000 family in network
Primary Care Office Visits:
$30 copay in network
Specialist Office Visits:
$50 copay in network
Prescription Drugs:

Copay for 30-day supply.

Tier 1: $10; Tier 2: $35; Tier 3: $55; Tier 4; 25% $100 maximum

Emergency Room:
$150 copay

HBT PLAN 2

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$1000 individual/$2000 family in network
Out of Pocket Limit:
$3000 individual/$6000 family in network
Primary Care Office Visits:
$30 copay in network
Specialist Office Visits:
$50 copay in network
Prescription Drugs:

Copay for 30-day supply.

Tier 1: $10; Tier 2: $35; Tier 3: $55; Tier 4; 25% $100 maximum

Emergency Room:
$150 copay

HBT PLAN 3

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$1500 individual/$3000 family in network
Out of Pocket Limit:
$5000 individual/$10,000 family in network
Primary Care Office Visits:
$35 copay
Specialist Office Visits:
$60 copay
Prescription Drugs:

Copay for 30-day supply.

Tier 1: $10; Tier 2: $35; Tier 3: $55; Tier 4; 25% $100 maximum

Emergency Room:
$150 copay

HBT Plan 4

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$2000 individual/$4000 family in network
Out of Pocket Limit:
$6000 individual/$12,000 family in network
Primary Care Office Visits:
$40 copay
Specialist Office Visits:
$65 copay
Prescription Drugs:

Copay for 30-day supply.

Tier 1: $10; Tier 2: $40; Tier 3: $65; Tier 4; 25% $100 maximum

Emergency Room:
$150 copay

HBT Plan 5

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$3000 individual/$6000 family in network
Out of Pocket Limit:
$6350 individual/$12,700 family in network
Primary Care Office Visits:
$40 copay
Specialist Office Visits:
$75 copay
Prescription Drugs:

Copay for 30-day supply.

Tier 1: $10; Tier 2: $40; Tier 3: $65; Tier 4; 25% $100 maximum

Emergency Room:
$150 copay

HBT High Deductible Plan 10 (HSA eligible)

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$1750 individual/$3500 family in network
Out of Pocket Limit:
$3250 individual/$3500 family in network
Primary Care Office Visits:
20% after deductible
Specialist Office Visits:
20% after deductible
Prescription Drugs:

20% after deductible

Emergency Room:
20% after deductible

HBT High Deductible Plan 15 (HSA eligible)

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$3500 individual/$7000 family in network
Out of Pocket Limit:
$3500 individual/$7000 family in network
Primary Care Office Visits:
0% after deductible
Specialist Office Visits:
0% after deductible
Prescription Drugs:

Deductible

Emergency Room:
0% after deductible

HBT High Deductible Plan 20 (HSA eligible)

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$5000 individual/$10,000 family in network
Out of Pocket Limit:
$5000 individual/$10,000 family in network
Primary Care Office Visits:
0% after deductible
Specialist Office Visits:
0% after deductible
Prescription Drugs:

Deductible

Emergency Room:
0% after deductible