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.

PlanDescription
Belk Premier
Administered by: BlueCross BlueShield of North Carolina (BCBS NC)
A high deductible health plan (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.
Belk Standard
Administered by: BlueCross BlueShield of North Carolina (BCBS NC)
An HDHP that has moderate premiums and a moderate deductible, and a tax-free HSA to help you cover costs. Belk’s contribution to your HSA is highest in this plan.
Belk Basic
Administered by: BlueCross BlueShield of North Carolina (BCBS NC)
An 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:

Plan Comparison

 Belk PremierBelk StandardBelk Basic
HSA EligibleYesYesYes
Belk Contribution to HSA (Individual/Family)$300 / $600$500 / $1,000$300 / $600
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.

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 BCBS 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 CVS/Caremark.

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
CostCovered at 100%, not subject to 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.

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 BCBS 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

As part of BCBS NC’s services, you’ll have access to the Signature Service concierge. This special service includes registered nurses, health coaches, social workers, pharmacists and customer service representatives. Call the Signature Service concierge at 1-800-422-2717 for personalized one-on-one support.

HealthLine Blue

Do you have health questions? When you participate in a Belk medical plan, HealthLine Blue can help. HealthLine Blue is your free, 24/7 nurse support line. Call 1-877-477-2424 to reach HealthLine 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'll have access to MDLive Telehealth Services. With MDLive, you can see and speak to a doctor online any time from the comfort of your home. MDLive offers convenience, typically at a more affordable cost. Call 1-888-657-9982 or visit MDLive for more information.

Comprehensive Diabetes Care

The Livongo for Diabetes program makes living with diabetes easier by providing you with a connected meter, unlimited strips and coaching. Livongo is offered at no cost to associates and their dependents who are covered under one of Belk’s medical plans and live with diabetes. 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.