We offer plans tailored to fit companies with 51 or more full-time employees.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers flexible health plan funding options that fit your company's needs.
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
Our self-insured option offers control and flexibility in plan design for large businesses (100 or more full-time employees). Self-insured, 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
The balanced funding option offers groups with at least 12 eligible employees the advantages of a self-insured 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
Find the perfect health plan for your business. Choose the right balance of network, coverage options and benefits.
- 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 world3
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.4
- Employer or employee funds with pre-tax dollars up to limits set by the IRS5
- 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
- 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
- Employee funds with pre-tax dollars by voluntary salary reduction (employer may contribute)5
- 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
We offer resources that allow your employees to manage their plan and live their healthiest lives.6
Access the tools7you need to manage your health plan and health care.
Save on health and wellness products, including Fitbit®, LASIK8, and more!9
Many services and prescriptions are considered preventive and covered at 100%.10
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.
Shop large group dental plans
Shop large group vision plans
Shop for 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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