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Shop Plans Balanced Funding

A funding option that’s flexible and predictable

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Balanced Funding from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) provides the benefits of a traditional self-insured plan with less risk. This option is for employers with as few as 12 eligible employees1 who are looking for alternative ways to pay for their health benefits.

[MUSIC]

[SCREEN TEXT] What's New at Blue?

[Julie Bare] Hi. I'm Julie Bare. 

[SCREEN TEXT] Julie Bare, Sales Director, Local Group, Blue Cross and Blue Shield of North Carolina

[Julie Bare] We know business owners like you are looking for ways to reduce costs and have more control over their health care spending. Today I want to share how employers can maintain predictable monthly costs with more features and flexibility.

[SCREEN TEXT] Balanced Funding: As few as 12 eligible employees, Alternative ways to pay for their health benefits 

[Julie Bare] The balance funding option from Blue Cross and Blue Shield of North Carolina is for employers with as few as 12 eligible employees who are looking for alternative ways to pay for their health benefits.

[SCREEN TEXT] Balanced Funding: Savings of a self-funded plan, Predictable monthly payment of a fully insured plan 

[Julie Bare] Our Balanced Funding solution offers employers the savings of a self-funded plan with the predictable monthly payments of a fully insured plan. You can take advantage of flexible cost-saving features like guaranteed surplus option, the ability to choose your surplus level, low fixed-cost ratios, flexible stop-loss levels, the choice of more benefit plans, more customization and wellness programs to keep your employees healthy, self-service performance reporting and more.

[SCREEN TEXT] Balanced Funding:

  • Guaranteed surplus option*
  • Ability to choose your surplus level
  • Low fixed cost ratios
  • Flexible stop loss levels
  • Greater choices and customizations 
  • Self-service performance reporting, and more!

*Refunds may not be guaranteed or may not exist depending on claims liability. Any refunds and guaranteed amounts are contingent upon the group renewing with Blue Cross NC. Terms and conditions subject to change. 

[Julie Bare] Employees say that Blue Cross NC is their top choice, the best choice, and number one for overall satisfaction. 

[SCREEN TEXT] Top Choice: Preferred 6x more often*

Best Choice: Nearly 70% higher favorability*

#1: For overall satisfaction, trust and peace of mind*

*Blue Cross Blue Shield Association Brand Strength Measure (BSM): Q2 2023 (Accessed March 2024). Numbers are specific to Group line of business for Blue Cross NC plan and includes members and non-members. 

[Julie Bare] Thanks to our flexible and cost-saving Innovations, like Balanced Funding, it's no surprise that nearly 98% of our clients choose to stay with us year after year.

[SCREEN TEXT] nearly 98%* stay with us

*Source: Blue Cross NC Internal records, SR100 Summary Report, May 2024 (Accessed July 2024).

[Julie Bare] We invite you to learn how to get more value from your health plan. 

[SCREEN TEXT] Balanced Funding

Contact your authorized Blue Cross NC representative

BlueCrossNC.com/Funding

[Julie Bare] Visit us online or contact your authorized Blue Cross NC representative.
Predictable monthly payments

All-inclusive, predictable payments regardless of claim fluctuations
Protection from large claims

Flexible Stop Loss levels provide financial protection against large claims
Money back options

The choice of year-end surplus return if claims are lower than expected or choose our guaranteed surplus option2
Employee support

More benefit plans, customization options, and wellness programs to keep your employees healthy
Robust reporting

Company performance tracking and insights through powerful reporting tools
More flexibility, less risk

With stable monthly fees and Stop Loss protection, Balanced Funding helps protect your company from unpredictable costs. It's less risky than traditional self-funding, yet offers more flexibility than fully insured.

Because a Balanced Funding plan qualifies as a self-funded plan, businesses face fewer state and federal regulations. This gives you greater flexibility to meet the specific needs of your employees.
Why Blue?

Compared to the three leading national insurers, consumers prefer Blue Cross NC 6x more often, and it is #1 in overall satisfaction, trust, and peace of mind.3 Blue Cross NC is not just the better choice – it’s also the easy one. That is why nearly 98% of employers choose to stay with Blue Cross NC.4

There are many reasons to choose a Balanced Funding plan with Blue Cross NC, and here are some of our favorites:

  • We’re a leader in delivering innovative health care products, services, and information to help our members improve their health and well-being.
  • 97% of all hospitals and 92% of all physicians in North Carolina are in our network.5
  • Our discounts from hospitals and health care professionals can help lower your overall claims costs.
  • We provide valuable health and wellness programs.6
  • We offer local customer service and outstanding claims processing.
Ready to learn more?

Contact our team at Blue Cross NC to learn more about Balanced Funding.
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