Group Health Plans for Businesses

Plans and Programs Designed to Fit Your Employees' Needs

For companies with 51 or more full time employees


Request a quote     or browse the topics below to learn more.

Plan Type & Network


The larger the network, the more doctors and drugstores there are in that network. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs. But, it also means the health plan may cost more.

Keep in mind that even though we offer out-of-network coverage, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.
 

Blue High Performance Network (Blue HPN)

Launching January 1, 2021​

 

  • Carefully Selected Network of Doctors & Hospitals Consistently Delivering Higher-Quality Care at Lower Costs
  • Engagement Tools and Decision Support for Employees

     

Learn About the Blue HPN Difference


Available to residents of the Charlotte-Concord-Gastonia and Winston Salem-Greensboro-High Point regions of North Carolina:*​

network map for Blue Options


Plus seamless in-network only access across 55+ major U.S. markets:*
 

network map for Blue Options


* Anticipated market footprint for 1/1/2021. Subject to change. In North Carolina, Blue HPN is available to employees who live in one of these counties in the Charlotte-Concord-Gastonia and Winston Salem-Greensboro-High Point metropolitan statistical areas (MSAs): Anson; Cabarrus; Cleveland; Davidson; Davie; Forsyth; Gaston; Guilford; Lincoln; Mecklenburg; Randolph; Rowan; Stanly; Stokes; Union; Wilkes; Yadkin; York (South Carolina). Not all products are available in all markets. Please discuss specific product options with your Blue Cross NC representative.

Blue Options

  • Largest Provider Network
  • Integrated Rx Drug Benefit
  • Available in All 100 Counties
network map for Blue Options
 

Blue Select Plus

  • Tiered Benefits for Higher-Value Care
  • Broad Provider Network
  • Available in All 100 Counties
network map for Blue Select Plus
 

Blue Value

  • Limited Provider and Hospital Network
  • Lower Monthly Cost
  • Limited County Availability
network map for Blue Value
 

Blue Local with Atrium Health

  • Smaller, Local Network
  • Includes Nationally Ranked Atrium Health
  • Lower Monthly Premiums for Employees

network map for Blue Local with Atrium Health

Blue Local with Wake Forest Baptist Health

network map for Blue Local Wake Forest

Multiple Options


Consumer-Driven Health Plans (CDHPs)

Our unique relationship with HealthEquity® allows us to offer our members consumer-driven solutions that are fully integrated with their health plan.These CDHPs deliver tax-favorable HSAs, HRAs and FSAs with these great benefits:

  • HSA (Health Savings Account)
    • Can be paired with any eligible plan on any network††
    • Employer or employee funds with pretax dollars up to limits set by the IRS
    • Unused amounts roll over to the next year without penalty
    • May be used for qualified medical expenses and retirement income
       
  • HRA (Health Reimbursement Account)
    • Employer funds and owns the account
    • May only be used for qualified medical expenses
    • Enrollee is not required to participate in a high-deductible plan††
       
  • FSA (Flexible Spending Account)
    • Employee funds with pre-tax dollars by voluntary salary reduction (employer may contribute)
    • May be used for qualified medical expenses, equipment and services
    • Employee forfeits any balance remaining at end of year (a “use-it-or-lose-it” account)
    • Enrollee is not required to participate in a high-deductible plan††

 

† Blue Cross NC is the plan administrator and contracts with HealthEquity, Inc., an independent entity, to perform certain HRA, HAS and FSA administrative services.

†† HSAs and HRAs can be paired with any high-deductible health plan with an eligible deductible. These benefits are commonly provided by employers to help reduce employees’ high out-of-pocket limits.


Funding Options

Fully Insured

Choose fully insured and we'll underwrite your group's medical expenses as well as provide full administrative services.

Benefits:

  • A simple monthly premium with predictable and stable health care costs
  • Peace of mind, ease and convenience - We handle the details
  • Health benefits without claims cost risks
Self-Funded5

Our self-funded option offers control and flexibility in plan design for large businesses (more than 100 FTEs). Self-funded arrangements (sometimes referred to as ASOs) allow the business to fund their own health benefits and claims while Blue Cross NC provides all or a portion of administrative services.

Benefits:

  • Stop-loss insurance to limit potential claims losses
  • Flexibility in plan design
  • More control over cash flow
Balanced Funding5

This funding option offers groups with at least 20 eligible employees the advantages of a self-funding plan with the financial protection and predictable monthly payments of a fully insurance plan.

Benefits:

  • Potential savings that can come from self-funding
  • Predictable montly rates similar to a fully insured plan
  • Integrated stop-loss coverage
  • Money-back opportunities

Dental Plans


Our Offering:

Dental Blue is our broad family of dental products. Within that family, we offer plans that have a more traditional structure with the same benefit levels in- and out-of-network, plans that have richer benefits for members who stay in-network for services, and plans that have steady, shelf-rates and a lifetime deductible.

Dental Blue®
  • Same benefit levels in- and out-of-network1
  • Annual deductible
  • Broad national network
  • Visit any dentist1
  • Traditional and Rollover plan designs
  • Up to two (2) cleanings & exams per benefit period
  • Single ID card with medical
Dental Blue® PreferredSM (PPO)
  • Higher benefit levels in-network1
  • Annual deductible
  • Broad national network
  • Visit any dentist1
  • Traditional, Rollover and new Balanced plan designs
  • Up to three (3) cleanings & exams per benefit period2
  • Single ID card with medical
Dental Blue Select® (Shelf-rated)
  • Same benefit levels in- and out-of-network1
  • Lifetime deductible
  • Broad national network
  • Visit any dentist1
  • Standard, Complete and Enhanced plans
  • Up to two (2) cleanings & exams per benefit period3
  • Single ID card with medical

1 Non-participating providers may bill members the balance for amounts higher than what is allowed for out-of-network.
2 For plan effective dates of 1/1/20 and after.
3 The Standard plan includes one cleaning & exam per benefit period


Dental Care Resource Center

The Dental Care Resource Center has the information and tools you need to get a healthy smile. Read helpful articles, get tips for good dental health, check symptoms or find answers to frequently asked questions.

Visit Our Dental Care Resource Center

Vision Plans


Blue 20/20 Vision Plans to Meet Your Employees’ Needs

Our Blue 20/20 plans offer your employees a wide network of vision options. They can choose from independent eye doctors or retail chains and online vision products. Each of our plans has unique features along with great coverage for both in and out-of-network benefits. Plus, no ID card is needed for in-network vision care.

You can choose between employer-paid or voluntary coverage. And, if you purchase with a medical plan, you’ll get one bill and one enrollment to save you time!

 

Choose from Three Flexible Plan Options:

Blue 20/20 Exam Only Blue 20/20 Exam Plus           

Blue 20/20 Lens and Frame Only

Coverage for routine comprehensive eye exams Coverage for routine comprehensive eye exams No coverage for routine comprehensive eye exams
  Coverage for lenses or contact lenses, and frames.  No frame formularies* Coverage for contact lenses or complete glasses (frames, standard lenses and lens options in one purchase.) No frame formularies
Additional In-network Savings

 

 

Discounts for glasses (up to 40% off) 40% off additional complete sets of glasses at any in-network location anytime during the benefit year 40% off additional complete sets of glasses at any in-network location anytime during the benefit year
Discounts for Lasik or PRK Discounts for Lasik or PRK Discounts for Lasik or PRK
  20% off non-covered items including non-prescription sunglasses 20% off non-covered items including non-prescription sunglasses
  20% off any remaining balance above your frame allowance 20% off any remaining balance above your frame allowance
Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items

Health & Wellness


Blue ConnectMember Site

Log in or register on Blue Connect

Blue Connect is your personal guide to the tools you need to manage your health plan and health care. You can:

  • View your deductible, claims and benefits in an instant
  • Access important documents like your digital ID card no matter where you are.
  • Get health tips, articles and videos on everything from weight loss to prescription costs to dental health.
     

Log In or Register

Blue Rewards Program

Our Wellness Programs - pdf

Our Blue Rewards program encourages participation in activities that can improve your employee’s health and wellbeing. Rewards come in the form of gift cards for activities like registering for Blue Connect, sharing  contact preferences or participating in a condition care or care management program.






 

Blue Rewards (PDF)

Blue365® Health & Wellness Discounts

Learn more about Blue365

Blue365 gives you access to savings across all aspects of your life– including 20 percent off on Fitbit devices and over $800 off Lasik, discounts on healthy, organic meal delivery services like Sun Basket, and much more!5






 

Blue365

Preventive Care Covered Services

Our Preventive Care Services

In-network preventive care is covered at 100%. Our Preventive Care Services List shows you which services and prescriptions are considered preventive and covered at 100%.


 

Preventive Care Services

Health Line BlueNurse Line

Learn more about Health Line Blue

Health Line Blue connects you to a trained nurse, 24/7, to get your health questions answered.6




 

Health Line Blue

Prime Therapeutics Prescriptions by Mail

Prime Mail Overview - pdf

Prime Therapeutics Prescriptions by Mail delivers a 90-day supply of medications by mail. No driving. No waiting.



 

Prime Overview (PDF)

ACA Requirements


Based on your size selection, you may be required to offer health insurance or pay an Employer Shared Responsibility Payment.8

More information is available through the Health Insurance Marketplace at healthcare.gov.

Insurance Form

We'd like to help you make the right choice for your business. Please fill out the following form, and we'll get in touch with you.

Use this form for more than 50 full-time employees.


Use this form for less than 51 full-time employees.