Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers flexible health plan funding options that fit your company's needs.
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Fully insured
If you are fully insured, we'll underwrite your group’s medical expenses, as well as provide full administrative services. This is the simplest health plan coverage option for businesses.
Benefits:
- A single monthly premium
- Predictable and stable health care costs for the plan year
- Peace of mind, ease, and convenience – we handle the details
- Health benefits without claims cost risks
Balanced funding
For groups with at least 12 eligible employees, Balanced funding offers the advantages of a self-funded plan and the financial protection and predictable monthly payments of a fully insured plan.
Benefits:
- Potential savings of self-funding
- Predictable monthly rates, similar to a fully insured plan
- Integrated stop-loss coverage
- Money-back opportunities
Carolina HealthWorks
For groups with 2 to 50 employees, Carolina HealthWorks1 offers plan flexibility, choice, and competitive rates normally reserved for large companies. Monthly premiums fund claims and plan administration, and risk-based pricing provides potential savings compared to higher-cost community-rated options.
Benefits:
- Easy plan management
- A variety of health plans
- Fixed monthly payments and opportunities to save
Find the perfect health plan for your business. Choose the right balance of network, coverage options, and benefits.
Blue Options® PPO
- Largest Blue Cross NC provider and hospital network
- Integrated Rx drug benefit
- Available in all 100 NC counties
- Coverage extends across the US and around the world4
We work with HealthEquity® to offer our members consumer-driven health plans (CDHPs) and group solutions. These CDHPs fully integrate with health plans and offer tax-favorable, cost-saving benefits.5
Health Savings Account (HSA)
- Employer or employee funds with pre-tax dollars up to limits set by the IRS6
- May be used for qualified medical expenses
- Unused amounts roll over to the next year without penalty
- Pair with any eligible high deductible health plan on any network
Health Reimbursement Account (HRA)
- 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
Flexible Spending Account (FSA)
- Employee funds with pre-tax dollars by voluntary salary reduction (employer may contribute)6
- 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
Limited Purpose Flexible Spending Account (LPFSA)
- Employee funds with pre-tax dollars by voluntary salary reduction (employer may contribute)6
- May be used to pay for eligible dental and vision expenses not covered by the insurance plan
- Employee forfeits any balance remaining at end of year (a “use-it-or-lose-it” account)
Dependent Care Reimbursement Account (DCRA)
- Employee funds with pre-tax dollars by voluntary salary reduction6
- May be used to reimburse eligible expenses, including daycare, before / after school care, summer camps, and elder care for a parent living in the home
- Employee forfeits any balance remaining at end of year (a “use-it-or-lose-it” account)
We offer resources that allow your employees to manage their plan and live their healthiest lives.7
Preventive care covered services
Many services and prescriptions are considered preventive and covered at 100%.11
Dental plans
Select an affordable dental plan option for local groups.
Vision plans
Choose comprehensive vision coverage for local groups.
Supplemental benefits
Take advantage of supplemental employer benefits.
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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