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Shop Plans Balanced funding

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

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Improve your cost and spending control

A balanced funding plan from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) can help companies cut costs and gain more control over their health care spending.

[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 balanced 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.
What you'll get with balanced funding

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.
Predictable monthly payments

Regardless of claim fluctuations, your payments remain all-inclusive and predictable.
Protection from large claims

Flexible stop-loss levels give you financial protection against large claims.
Money back options

Get a year-end surplus return if claims are lower than expected or choose our guaranteed surplus option.2
Robust reporting

Track your plan's performance and insights through powerful reporting tools.
Coverage you can trust

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
More reasons to choose Blue

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
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Disclosures:

  1. Balanced funding plan designs require 12 or more eligible employees with a 70% minimum participation rate, and a minimum of 5 employees enrolled. Contact your authorized Blue Cross NC sales representative to confirm eligibility. Subject to underwriting approval.

  2. 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 are subject to change.

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

  4. Blue Cross NC Internal records; SR100 Summary Report, May 2024 (Accessed July 2024).

  5. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC’s PPO Network as of May 31, 2024.

  6. Blue Cross NC offers wellness programs as a convenience to aid members in improving their health; results are not guaranteed. Blue Cross NC may contract with independent third-party vendors for the provision of certain aspects of our wellness programs and is not liable in any way for goods or services received from them. These vendors do not offer Blue Cross or Blue Shield products or services. Blue Cross NC reserves the right to discontinue or change our wellness programs at any time. These programs are educational in nature., They are intended to help members make informed decisions about their health and comply with their doctor’s plan of care. Decisions regarding care should be made with the advice of a doctor.

U48849, 9/25

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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