Overview

We are committed to helping you take control of your health — and what you spend on it. That’s why we offer three medical plans, each with different features designed for different needs.

BlueCross BlueShield of North Carolina (BCBS NC) is our medical plan administrator. All of Belk's medical plans are qualified, high deductible health plans (HDHPs) that offer comprehensive medical coverage. HDHPs also let you take advantage of using a tax-effective Health Savings Account (HSA). An HSA allows you to save tax-free dollars (state taxes may apply) and use them to pay for eligible expenses, now and in the future.

PlanDescription
Premier Plan
An HDHP that has higher premiums and a lower deductible than the other two plans, and a tax-free Health Savings Account (HSA) to help you cover costs.
Standard PlanAn HDHP that has moderate premiums and a moderate deductible, and a tax-free HSA to help you cover costs.
Basic PlanAn HDHP that has lower premiums and a higher deductible than the other two plans, and a tax-free HSA to help you cover costs. The annual deductible and out-of-pocket maximum are the same.
Compare the plans

Key Features at a Glance

All our medical plans provide:

  • Tax-free Health Savings Account (HSA). Members can use their HSA to pay for eligible health expenses with tax-free dollars. To encourage you to contribute to your HSA, Belk’s contributions are linked to your own. When you contribute to your HSA, Belk will match your pre-tax contributions dollar for dollar to a maximum amount: $400 annually for individual coverage and $800 annually for family coverage. Note that if you do not contribute to your HSA, you will not receive a contribution from Belk. The money in your HSA is always yours to keep and grows with interest, tax-free. Spend it anytime — even in retirement.
  • Fully covered in-network preventive care and prescriptions. You pay nothing for in-network annual physicals, immunizations, preventive screenings, and generic preventive drug.
  • Prescription drug coverage included with each medical plan.

Plan Comparison

 Belk PremierBelk StandardBelk Basic
HSA EligibleYesYesYes
HSA Maximum Matching Contributions from Belk*$400 / $800$400 / $800$400 / $800
Your costs
Preventive Doctor’s VisitIn-network: No cost to youIn-network: No cost to youIn-network: No cost to you
Individual/Family DeductibleIn-network: $1,700/$3,400
Out-of-network: $2,800/$5,600
In-network: $2,800/$5,600
Out-of-network: $5,000/$10,000
In-network: $6,450/$12,900
Out-of-network: $12,900/$25,800
Individual/Family Out-of-Pocket MaximumIn-network: $4,000/$8,000
Out-of-network: $100,000/$100,000
In-network: $5,600/$11,200
Out-of-network: $100,000/$100,000
In-network: $6,450/$12,900
Out-of-network: $100,000/$100,000
Your CoinsuranceIn-network: 20% after deductible
Out-of-network: 40% after deductible
In-network: 20% after deductible
Out-of-network: 40% after deductible
In-network: 0% after deductible
Out-of-network: 40% after deductible
Office VisitIn-network: 20% after deductible
Out-of-network: 40% after deductible
In-network: 20% after deductible
Out-of-network: 40% after deductible
In-network: 0% after deductible
Out-of-network: 40% after deductible
Emergency Room VisitIn-network: 20% after deductible
Out-of-network: 40% after deductible
In-network: 20% after deductible
Out-of-network: 40% after deductible
In-network: 0% coinsurance after deductible
Out-of-network: 0% coinsurance after deductible
Retail prescriptions (your cost for a 30-day supply)
Generic Preventive$0, no deductible$0, no deductible$0, no deductible
Preferred Brand Preventive20%, no deductible20%, no deductible20%, no deductible
Generic Non-PreventiveIn-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 0% coinsurance after deductible
Out-of-network: 100% member paid
Preferred BrandIn-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 0% coinsurance after deductible
Out-of-network: 100% member paid
Non-Preferred BrandIn-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 0% coinsurance after deductible
Out-of-network: 100% member paid
Mail order prescriptions (your cost for a 90-day supply)
Generic Preventive$0, no deductible$0, no deductible$0, no deductible
Preferred Brand Preventive20%, no deductible20%, no deductible20%, no deductible
Generic Non-PreventiveIn-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 0% coinsurance after deductible
Out-of-network: 100% member paid
Preferred BrandIn-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 0% coinsurance after deductible
Out-of-network: 100% member paid
Non-Preferred BrandIn-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 20% after deductible
Out-of-network: 100% member paid
In-network: 0% coinsurance after deductible
Out-of-network: 100% member paid

Out-of-network benefits are based on reasonable and customary charges.

*Belk will match your HSA contributions dollar for dollar up to the maximum matching amount shown. Belk's contributions are spread evenly over each paycheck. You are not eligible for an HSA if you are enrolled in Medicare, Medicaid or Tricare.

How Belk’s Plans Work

You pay nothing for in-network preventive care — it’s covered in full. For non-preventive care, you share the cost with Belk.

Deductible

You pay 100% of your annual prescription drug and medical costs until you reach your deductible.

Coinsurance

Once the deductible is met, you and the plan share costs until you meet your out-of-pocket maximum. This is your coinsurance.

Out-of-Pocket Maximum

If you meet the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year.

Elective Surgery Benefit

If you’re planning a non-emergency surgery event, such as an elective knee replacement, use a Blue Cross NC Center of Excellence (COE) facility for quality care at the best value.

Prescription Drugs

When you enroll in a Belk medical plan, you automatically receive prescription drug benefits through Express Scripts.

Know the Difference Between Preventive and Maintenance Prescription Drugs

If you’re enrolled in one of Belk’s medical plans, be certain you know whether the prescription drug your doctor prescribes is preventive or maintenance.

Review the table below to understand some of the common differences between the two types of prescription drugs.

Remember, while many preventive drugs may be considered maintenance, not all maintenance drugs are considered preventive.

 Preventive Generic and Brand Prescription DrugMaintenance Prescription Drug
CostGeneric Preventive Drugs: $0, not subject to deductible Preferred Brand Preventive: 20%, no deductibleDeductible and applicable coinsurance
PurposeTo prevent illness before it becomes prevalentTo treat an existing condition
ExamplePrescription drugs that are provided as part of a preventive care exam, such as an annual physical.
 
Obesity weight-loss and tobacco cessation programs are considered preventive.
Prescription drugs that treat diagnosed conditions such as hypertension, high cholesterol, diabetes, asthma, allergies, or ADHD.
 
Contraceptives are considered to be maintenance prescription drugs.
What Happens When You Use An In-Network Pharmacy?

When you visit a non-network pharmacy to fill a prescription, you pay the full cost of your prescription upfront. Then, you must file a claim with Express Scripts for reimbursement. Once your claim is processed, you will receive reimbursement for the amount you paid minus the appropriate coinsurance.

Managing Maintenance Prescriptions

90-Day Supply

With Express Scripts, you have two ways to get up to a three-month supply of your maintenance medicines (those drugs you take regularly for ongoing conditions). You can choose home delivery from the Express Scripts Pharmacy, or fill the prescription at any CVS pharmacy location.

If you have prescriptions with open refills through the CVS mail-order pharmacy program, your prescription will be transferred automatically to the Express Scripts Pharmacy (except for controlled substances and compound medications).

The Express Scripts Pharmacy mail-order program has several advantages. When you use the Express Scripts Pharmacy, you are automatically using an in-network pharmacy, so there are no claim forms to file for reimbursement. In addition, you can submit and receive your prescriptions from home.

You can receive two 30-day courtesy fills at ANY participating network pharmacy. On the third fill, you must obtain a prescription for a 90-day supply and that prescription must be filled at a participating CVS retail location or through the Express Scripts Pharmacy. If filled at the wrong pharmacy or wrong day’s supply, you will be responsible for paying 100% of the prescription cost.

Specialty Medications

Accredo is an Express Scripts specialty pharmacy. Accredo provides medicine for patients with serious, chronic conditions like cancer and hepatitis C. Accredo offers specialized teams of pharmacists, nurses and clinicians who are specially trained on your condition.

Find an In-Network Doctor

Using in-network providers saves you money. Here’s how to find doctors in your medical plan network:

  1. Visit BlueCross BlueShield of North Carolina. Log in using your member information. If you are currently not a Blue Cross NC member, click on “Find a Doctor / Drug / Facility.”
  2. Select “Find a Doctor / Drug / Facility.”
  3. Search by doctor type, location and network.
Don’t Have a Primary Care Physician? You Should. Here’s Why.
  • Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
  • A healthier wallet. Having a primary care physician you can call helps you avoid costly trips to the emergency room and decide when you really need to see a specialist.
  • Peace of mind. Advice from someone you trust ... it means a lot when you’re healthy. It’s even more important when you’re sick. Your primary care physician gets to know you and your health history and can help coordinate any care you need.

Tools & Resources

Signature Service

When you're covered under a Belk medical plan, the BCBS Signature Service team can help you understand your health plan and its benefits, manage complex health situations, and even find lower-cost care. Signature Service can help you and your family if you're planning a major medical procedure, if you need guidance for navigating a serious medical situation, or if you need support with the Blue Connect website. They can even help you search for a provider and compare costs of prescription drugs and common procedures.

To take advantage of this service, call number on the back of your BCBS ID card or log in to BlueConnectNC.com to send a secure email or chat live.

HealthLine Blue

Do you have health questions? When you participate in a Belk medical plan, HealthLine Blue provides a free, 24/7 nurse support line that connects you with a friendly and dependable nurse who can help you:

  • Decide how and where to get care when you need it
  • Answer questions until you can see your doctor
  • Answer questions about your medications
  • Get information to make better health care decisions

Call 1-877-477-2424 to reach HealthLine Blue or visit www.bluecrossnc.com/health-line-blue.

Telehealth

When you don’t feel well or your child is sick, the last thing you want to do is sit in the doctor’s waiting room. If you're enrolled in a Belk medical plan, you can skip the trip with Teladoc. With Teladoc, you can see and speak to a doctor online any time from the comfort of your home. Teladoc gives you convenient access to a national network of U.S. board-certified doctors for a diagnosis or treatment on minor, short-term issues, typically at a more affordable cost. Call 1-800-TELADOC (835-2362), watch this video, or visit www.teladoc.com for more information.

Comprehensive Diabetes and/or Hypertension Care

Livongo helps make living with diabetes and/or hypertension easier by providing supplies and coaching at no cost to associates and their dependents who are covered under one of Belk’s medical plans. Through Livongo, you can receive a cellular-connected glucose meter, as well as unlimited test strips and lancets; a “smart” blood pressure monitor that connects by Bluetooth to Livongo’s intuitive app; and 24/7 support from certified diabetes instructions and health coaches. You can join at any time. To learn more or join, visit Livongo or call Livongo Member Support at 1-800-945-4355.

Glossary

Find definitions to key terms here.

Preventive care

In-network preventive care is fully covered under all of Belk’s medical plans, so you pay nothing. Preventive care includes routine care designed to prevent illness or disease, including annual physicals, immunizations, and cancer screenings. If the same tests are done to diagnose an illness or treat a known condition, they are not considered preventive care and your plan’s normal charges will apply.

Deductible

The amount you owe for health care services before your plan begins to pay. For example, if your annual deductible is $2,500, your plan won’t pay anything until you’ve reached that amount first. The exception is preventive care, which is fully covered so you pay nothing. Note: If you cover dependents, you must meet the full family deductible before the plan begins paying benefits for any family member.

Coinsurance

How you and your medical plan share costs after you meet the plan’s annual deductible (if applicable). For example, your plan may cover 80% of charges for a covered hospitalization, leaving you responsible for the other 20%. This 20% is known as the coinsurance.

Health Savings Account (HSA)

A medical savings account that, by law, is only available to participants in a qualified high-deductible health plan, such as the Premier, Standard or Standard. An HSA allows you to pay for eligible medical expenses — including deductibles, coinsurance, and copays for medical, dental, and vision care — with tax-free dollars. Unlike a Flexible Spending Account (FSA), all of the money in your HSA rolls over from year to year and is always yours to keep. For example, you may use the money in your HSA to pay for eligible health expenses in retirement. For a full list of eligible expenses, refer to IRS Publication 502.

Out-of-pocket maximum

The most you’ll ever pay in a plan year for covered expenses. Once you meet your out-of-pocket maximum, your plan pays 100% of covered services for the rest of the year.

Premiums

A fixed amount that you automatically contribute from each paycheck for coverage under a medical plan. Premiums can vary widely by the type of plan you choose.