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Health Insurance

Of the numerous insurance products available in the marketplace today, health insurance is required for most people. State Employees' Credit Union can assist in meeting this basic member need with choices to help fit any budget. We are pleased to represent Blue Cross and Blue Shield of North Carolina® as an authorized agency in this endeavor.

Health Care Reform doesn’t have to be complicated but it will be different for everyone. SECU agents can help you understand a variety of plans offered by BCBSNC and find a plan that’s right for you.

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Blue Advantage® offers you a broad choice of doctors, specialists and hospitals with a deep broad network.
  • Large provider network that covers all 100 counties
  • Over 95% of physicians and 98% of the hospitals in North Carolina are in-network1
  • More pharmacy & Prescription drug options
  • Two ways to pay for medical expenses: copayments or deductibles/coinsurance
Blue ValueSM features a limited network of providers and some of the lowest costs of all our plans. (Blue Value may not be available in all areas.)
  • Savings of up to 15% over Blue Advantage2
  • Limited network of doctors, hospitals and pharmacies to lower costs
  • More prescription drugs requiring preauthorization & a smaller pharmacy network
  • Two ways to pay for medical expenses: copayments or deductibles/coinsurance
  • Go to "Find a Doctor" at bcbsnc.com to see if your doctor is in the Blue Value network.
Blue SelectSM offers tiered benefits and providers to help make the most of your health care spending.
  • Savings of up to 6% over Blue Advantage2
  • Two tiers of in-network benefits to choose from
  • Copayments for predictable costs
  • Limited pharmacy network to help you save money
  • More prescription drugs requiring preauthorization
Tier 1 are providers who received our top ratings, and you’ll receive a richer benefit when you choose these providers. Tier 2 are providers who still meet our usual standards for being part of the network, and you’ll receive a less rich benefit when you choose these providers. You can see which tier your providers are in by visiting the Find a Doctor tool at bcbsnc.com.

Blue LocalSM is a new partnership with Carolinas HealthCare System that combines quality health care with savings of up to 14% on your monthly premiums2. Contact Insurance Services to learn more about the benefits of Blue Local with Carolinas HealthCare System3.

To get a coverage quote or to initiate application processing, please contact an insurance representative. Our insurance representatives are licensed to sell insurance in North Carolina only.

State Employees' Credit Union (SECU) is an independent authorized producer/agency 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 SECU. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ® Mark of the Blue Cross and Blue Shield Association.® Mark of Blue Cross and Blue Shield of North Carolina.


1 BCBSNC Internal Data, 2011. Percentages indicated represent BCBSNC’s PPO network.
2 BCBSNC Internal Data, percentage savings based on a 45-year-old male, non-smoker, in Mecklenburg county.
3  Blue Local is available to individuals who reside in the following North Carolina counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Rowan, Stanly and Union.

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*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.