Find the perfect health plan for your business. Choose the right balance of network, coverage options and benefits.
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Health plans and networks for large companies
The larger the network, the more doctors and pharmacies in that network. But a larger network with more doctors and pharmacies also means the health plan may cost more.
Looking to control your employee plan costs while getting the most value? Use our employer solutions to optimize your network and strengthen the foundation of your workforce’s health plan.
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, Inc.® to offer our members consumer-driven group insurance solutions that fully integrate with their health plan. These CDHPs deliver tax-favorable HSAs, HRAs and FSAs with 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)
- 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
Dental plans
Shop large group dental plans
Vision plans
Shop large group vision plans
Supplemental benefits
Shop for supplemental employer benefits
Find in-network doctors, facilities, prescriptions, and more. Explore care options, or log in to Blue Connect℠ to search existing coverage.
When you choose fully insured, we'll underwrite your group’s medical expenses, as well as provide full administrative services. This is the simplest, most effort-free health plan coverage option for businesses.
Benefits:
- A simple monthly premium
- Predictable and stable health care costs
- Peace of mind, ease and convenience – we handle the details
- Health benefits without claims cost risks
This funding option offers groups with at least 20 eligible employees the advantages of a self-funded 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
Our self-funded option offers control and flexibility in plan design for large businesses (more than 100 full time employees). Self-funded, or Administrative Services Only (ASO), arrangements allow the business to fund their own health benefits and claims while Blue Cross NC provides all or some administrative services.
Benefits:
- Stop-loss insurance to limit potential claims losses
- Flexibility in plan design
- More control over cash flow
We offer helpful resources to help get the most from your plan.7
Based on your company size, you may be subject to a penalty if you choose not to offer your employees health insurance.11
More information is available through the Health Insurance Marketplace® at healthcare.gov.
See your large group insurance options. We'll put together a detailed quote for your team.
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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