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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 – 91% of doctors and 99% of hospitals in-network1
  • Fewer prescription drug requirements
  • No referrals needed
  • Plan pays 100% of preventative services2
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 9%3
  • Limited network of doctors, hospitals and pharmacies to lower costs
  • More prescription drug requirements to help you save money
  • Plan pays 100% of preventative services2
  • No referrals needed
  • 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. We evaluated doctors and specialist physician practices on their quality outcomes, cost efficiency, and accessibility and created two categories. 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.

By tiering the benefits and providers, you’ll save up to 6%4 on your monthly premium and have a clear way to save more money by choosing Tier 1 providers. You can see which tier your providers are in by visiting the Find a Doctor tool at bcbsnc.com.
  • Savings up to 6%4
  • A large network of providers to choose from. Go to "Find A Doctor" at bcbsnc.com to learn if your doctor is Tier 1 or Tier 2
  • More prescription drug requirements and a smaller pharmacy network help you save
Please review the Insurance Services brochure for more information. To get a coverage quote or to initiate application processing, please contact an insurance specialist. Our insurance specialists 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.SM Mark of Blue Cross and Blue Shield of North Carolina.


1 Consortium Health Plans, Inc., MarketQuest Network Compare, April 2013.
2 Preventive care services as defined by recent federal regulations are covered at no charge to you. For Blue Advantage, Blue Select and Blue Value: Coverage for certain preventive care services (such as routine physical exams, well-baby and well-child care, and immunizations) is limited to in-network benefits only. However, state-mandated preventive services are available out-of-network, for which members will pay deductible and coinsurance, plus charges over the allowed amount. Visit bcbsnc.com/preventive for more details.
3 BCBSNC Internal Data, January 2014. Premium difference for Blue Value compared to a comparable Blue advantage plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design selected.
4 BCBSNC Internal Data, January 2014. Premium difference for Blue Select compared to a comparable Blue Advantage plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design selected.

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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.