Large Group
Health Plans

Tailored Solutions 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 & Network Options


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. Leverage our insights to optimize your network and strengthen the foundation of your own health plan.

While we offer out-of-network coverage on most plans, your employees will save the most when they see a doctor or visit a pharmacy in their plan’s network.

Blue High Performance Network (BlueHPN)

 

  • Carefully selected network of doctors & hospitals consistently delivering higher-quality care at lower costs
  • Engagement tools and decision support for employees

     

Learn About the BlueHPN Difference


Available to residents of the Charlotte-Concord-Gastonia, Hickory-Statesville, Raleigh-Durham-Chapel Hill 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


* Market footprint for 1/1/2022. Subject to change. In North Carolina, BlueHPN is available to employees who live in one of these counties in the Charlotte-Concord-Gastonia, Hickory-Statesville, Raleigh-Durham-Chapel Hill and Winston-Salem-Greensboro-High Point metropolitan statistical areas (MSAs): Anson; Cabarrus; Chatham; Cleveland; Davidson; Davie; Durham; Forsyth; Gaston; Guilford; Lincoln; Mecklenburg; Orange; Person; Randolph; Rowan; Stanly; Stokes; Union; Wake; Wilkes; Yadkin; York (South Carolina).

Blue Local & My Blue

  • System-centered for more coordinated care
  • Coverage across the country and around the world through BlueCard®1
  • Customer service that’s based in North Carolina
  • Tailored formulary that encourages lower-cost options

Blue Local with Atrium Health

 

Overall savings up to 20.3%2

 

network map for Blue Local with Atrium Health

 

Learn More

 

Blue Local with Wake Forest Baptist Health

 

Overall savings up to 18.4%3

 

network map for Blue Local Wake Forest

 

Learn More

 

My Blue with Duke Health

 

Overall savings up to 18.4%4

 

network map for My Blue with Duke Health

 

Learn More

 

Blue Options®

 

  • Largest provider network
  • Integrated Rx drug benefit
  • Available in all 100 counties

 

Learn More

 

network map for Blue Options

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 great benefits:

HSA (Health Savings Account)
  • Can be paired with any eligible high-deductible health plan on any network
  • Employer or employee funds with pre-tax 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
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 health 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 health plan

* Blue Cross and Blue Shield of North Carolina (Blue Cross NC) contracts with HealthEquity, Inc., an independent entity, to perform certain HRA, HSA and FSA administrative services.


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
Balanced Funding

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 insured plan.

Benefits:

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

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

Don’t Forget Dental and Vision

Employees get a simplified experience with a single ID card and portal – helping them create a total health connection.


Dental makes a difference.

Proper oral health affects our overall health and well-being. That’s why Blue Cross NC takes an integrated approach to dental and medical coverage. From better outcomes to lower costs, integrating with us is a clear win-win for you and your employees. With each of our flexible plans, you get:

  • One bill and one ID card
  • A dedicated account management support team
  • Broad local and national network
  • One portal with access to all Blue Cross NC medical, dental and vision plans through Blue Connect
  • Dental Care Gap reminders for medical members with certain health conditions
  • Options for rollover benefits, preventive not applying to the annual maximum, orthodontia with no age limit, and more

Along with easy administration and access, our plans include the following covered services as standard benefits:

  • Composite (white) filling covered on all teeth
  • No missing tooth exclusion or limitation
  • Phone or virtual visits
  • Sustained release therapeutic injections to minimize the need for opioid prescriptions
Dental Blue® PreferredSM (PPO)
  • Saves money for you and your employees with lower premiums and higher benefits for going in-network*
  • Three cleanings and exams come standard – unique to Dental Blue Preferred
  • Preventive Only and Preventive & Basic Only plans available
Dental Blue®
  • Indemnity-like plan with same benefit level at any provider
  • Your employees can save on out-of-pocket expenses by using participating providers*
  • Preventive Only and Preventive & Basic Only plans available
Dental Blue Select® (Shelf-rated)
  • Indemnity-like plan with reliable, steady rates because it’s community (shelf) rated
  • Three plans from standard to enhanced, including options with implants and orthodontia
  • Lifetime deductible your members only need to meet once

* Non-participating providers may bill members the balance for amounts higher than what is allowed for out-of-network.


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 providers. 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.

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 Four Flexible Plan Options:

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

Blue 20/20 Lens & Frame Plus

Blue 20/20 Lens & Frame Only

Coverage for routine comprehensive eye exams Coverage for routine comprehensive eye exams Coverage for routine comprehensive eye exams No coverage for routine comprehensive eye exams
  An allowance for frames — and —
a choice of a copayment for lenses OR an allowance for contact lenses
An allowance for prescription eyeglasses or contact lenses An allowance for prescription eyeglasses ​or contact lenses
  20% off any remaining balance above your frame allowance and/or 15% off any remaining balance above your in-network conventional contact lens allowance 20% off any remaining balance above your allowance and/or 15% off any remaining balance above your in-network conventional contact lens allowance 20% off any remaining balance above your allowance and/or 15% off any remaining balance above your in-network conventional contact lens allowance
Additional In-network Savings
An average of 35% off complete pairs of prescription eyeglasses and prescription sunglasses on initial purchase, and additional pair discount of 40% off 40% off additional complete sets of prescription eyeglasses 40% off additional complete sets of prescription eyeglasses 40% off additional complete sets of prescription eyeglasses
15% off conventional contact lenses 15% off conventional contact lenses 15% off conventional contact lenses 15% off conventional contact lenses
Discounts of 15% off retail or 5% off promo price for Lasik or PRK Discounts of 15% off retail or 5% off promo price for Lasik or PRK Discounts of 15% off retail or 5% off promo price for Lasik or PRK Discounts of 15% off retail or 5% off promo price for Lasik or PRK
20% off select non-covered items, including non-prescription sunglasses 20% off select non-covered items, including non-prescription sunglasses 20% off select non-covered items, including non-prescription sunglasses 20% off select non-covered items, including non-prescription sunglasses
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 Special offers on Blue Connect for discounts on frames and lenses, contacts and other vision services and items

Health & Wellness


Blue Connect & Blue Connect Mobile

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

Wellness Engagement Program

Our Wellness Programs - pdf

Our Wellness Engagement program encourages participation in activities that can improve your employee’s health and well-being. Flexible reward types are available for activities like completing a Health Survey, participating in self-guided health programs and participating in the nurse support program.
 

 

 

 

Blue365® Health & Wellness Discounts

Learn more about Blue365

Blue365 gives you access to savings across all aspects of your life – including 20% 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%.6 Our Preventive Care Services List shows you which services and prescriptions are considered preventive and covered at 100%.


 

Preventive Care Services

Health Line Blue Nurse Line

Learn more about Health Line Blue

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



 

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

See how our tailored solutions drive smarter, better health care and our personalized engagement empowers employees to make wise health care decisions.

ACA Requirements


Based on your company size, you may be subject to a penalty if you choose not to offer your employees health insurance.8

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

Request a Quote

We’d like to help you make the right choice for your business.


Please fill out the following form​ if you have 51+ Full-Time Employees.

 

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

U38850, 9/21