If you're looking for the benefits of a traditional self-insured plan with less risk, our balanced funding plan is an option for employers with as few as 12 eligible employees.1
Protect your company from unpredictable costs. A balanced funding plan is less risky than traditional self-funding and offers more flexibility to meet the specific needs of your employees.
Regardless of claim fluctuations, your payments remain all-inclusive and predictable.
Flexible stop-loss levels give you financial protection against large claims.
Get a year-end surplus return if claims are lower than expected or choose our guaranteed surplus option.2
Track your plan's performance and insights through powerful reporting tools.

After more than 90 years, we're proud to have built coverage our members can count on. Compared to the three leading national insurers, consumers prefer Blue Cross NC 6x more often, and we're No. 1 in overall satisfaction, trust, and peace of mind.3
Blue Cross NC isn't just the better choice – it’s also the easy one. That's 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 offer local customer service and outstanding claims processing.
- We provide valuable health and wellness programs.6
Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.
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