Health Insurance

State Employees' Credit Union is an authorized agency of Blue Cross and Blue Shield of North Carolina® (Blue Cross NC).1 Blue Cross NC offers a number of health insurance choices to fit most budgets. SECU insurance agents can explain the various Blue Cross NC plans it offers, which are described below, and help you find a plan that's right for you.

To get a coverage quote or to initiate application processing, please contact an insurance representative.2 Our insurance representatives are licensed to sell insurance in North Carolina only.

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Choices Offered


Blue Advantage®

Blue Advantage offers you a broad choice of doctors, specialists and hospitals, along with flexibility in how much you pay for doctor visits and prescription drugs.
  • Large provider network that covers all 100 counties
  • More pharmacy & prescription drug options
  • Two ways to pay for medical expenses: copayments or deductibles/coinsurance

Blue ValueSM 3

Blue Value features a limited network of doctors, specialists and hospital systems and lower monthly premiums.
  • Limited network of doctors, hospitals and pharmacies to lower costs
  • More prescription drugs requiring preauthorization and a smaller pharmacy network
  • Two ways to pay for medical expenses: copayments or deductibles/coinsurance
  • Before choosing Blue Value, go to "Find a Doctor" at bluecrossnc.com to see if your doctor is in the Blue Value network.

Blue HomeSM with UNC Health Alliance

Blue Home with UNC Health Alliance is a good option if you wish to get care from UNC Health Care's provider network, UNC Health Alliance, and its affiliated doctors and hospitals. Blue Home with UNC Health Alliance is available to residents of these Triangle-area counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person and Wake.

Blue LocalSM with Atrium Health

Blue Local with Atrium Health (formerly Carolinas HealthCare System) is a partnership that combines quality health care. Blue Local with Atrium Health is available only to residents of the following metro-Charlotte counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Rowan, Stanly, and Union. Contact SECU Insurance Services to learn more about the benefits of Blue Local with Atrium Health.

Blue LocalSM with Wake Forest Baptist Health

Blue Local with Wake Forest Baptist Health is a good option if you wish to get care from Wake Forest Baptist Health and its affiliated doctors and hospitals. Blue Local with Wake Forest Baptist Health is available to residents of these counties: Davidson, Davie, Forsyth, Guilford, Randolph, Stokes, Wilkes and Yadkin.


Health Insurance Subsidies

To help make health insurance more affordable and effective, the federal government offers advanced premium tax credits, also called subsidies, to individuals and families who qualify based on their income and household size. These subsidies reduce the monthly cost of a health insurance plan for those who qualify. SECU insurance agents can help you determine whether you or your family may qualify for this assistance.

2020 Blue Cross and Blue Shield of North Carolina. ®, SM Marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. Blue Cross NC is an abbreviation for Blue Cross and Blue Shield of North Carolina. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
1 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 (Blue Cross NC). The content contained in this site is maintained by SECU.
2 You can contact an SECU Insurance representative toll free at 1-888-732-8562 or locally in Raleigh at 919-857-2150 Monday - Friday from 8:00 am to 5:30 pm.
3 Blue Value may not be available in all areas.