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. 

 2021-2022 Comparison of Benefits- All Plans

 

 

Blue Options PPO
Plan 1

Blue Options PPO
Plan 2

Blue Options PPO
Plan 3

Blue Options PPO
Plan 4

Blue Options PPO 
Plan 5

Blue Options HDHP 
Plan 10
 HSA Eligible 

Blue Options HDHP 
Plan 15
 HSA Eligible

Blue Options HDHP 
Plan 20 
HSA Eligible

Statement of Benefits Covered:
 SBC Plan 1		  
SBC Plan 2		  
SBC Plan 3		  
SBC Plan 4		  
SBC Plan 5		  
SBC Plan 10
SBC Plan 15		  
SBC Plan 20

Member Guide:

  NCBA PPO Plan 1  NCBA PPO Plan 2  NCBA PPO Plan 3   NCBA PPO Plan 4  NCBA PPO Plan 5  NCBA HBT HSA Plan 10  NCBA HBT HSA Plan 15  NCBA HBT HSA Plan 20

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: $10; Tier 3: $35; Tier 4: $55; Tier 5: 25%

Emergency Room:
$250 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: $10; Tier 3: $35; Tier 4: $55; Tier 5: 25% 

Emergency Room:
$250 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: $10; Tier 3: $35; Tier 4: $55; Tier 5: 25% 

Emergency Room:
$250 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: $10; Tier 3: $40; Tier 4: $65; Tier 5: 25% 

Emergency Room:
$250 copay

HBT Plan 5

Summary of Benefits
Network:
BCBS-NC Blue Options; Broad Network
Deductible:
$3500 individual/$7000 family in network
Out of Pocket Limit:
$7000 individual/$14000 family in network
Primary Care Office Visits:
$45 copay
Specialist Office Visits:
$75 copay
Prescription Drugs:

Copay for 30-day supply.

Tier 1: $10; Tier 2: $10; Tier 3: $40; Tier 4: $65; Tier 5: 25% 

Emergency Room:
$250 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/$6500 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