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Shop Plans Self-insured employer health insurance

We offer plans tailored to fit self-insured companies.

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Learn more about self-insured plans. Learn more about self-insured plans. Contact Us
How our self-insured coverage works

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers the plan control and flexibility that helps self-insured businesses manage their total cost of care.
Design a custom plan

Fund your health benefits and claims while Blue Cross NC provides all or some administrative services.
Control your cash flow

Cut your up-front costs and only pay for claims when they happen.
Limit potential losses

Maintain budget stability and limit your potential claims losses with stop-loss insurance.
Choose the right plan

Find the perfect health plan for your business. Choose the right balance of network, coverage options and benefits.
Blue High Performance Network® (BlueHPN®) EPO

  • 11% total cost of care savings on average, and up to 20% savings in some markets1
  • Carefully selected network of doctors and hospitals
  • Available in select NC areas2
Learn More About BlueHPN
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 world3
Learn More About Blue Options PPO Benefits of a custom health plan

Let our team work with you to develop a custom health plan that satisfies your company needs.
Network options

Take advantage of our industry-leading Blue Cross NC networks. Our nationwide coverage includes 97% of all hospitals and 92% of North Carolina doctors.4 And with the option for global coverage, your employees can stay protected statewide, across the country, and even around the world.3
Clinical solutions

We support your employees with clinical solutions that promote total wellness.
Custom company web pages

Let us build a custom company web page for your business to provide your employees access to all their coverage options and benefit details in one place. Our pages feature:

  • Health, dental, and vision coverage details
  • Access to tools and features
  • Answers to plan and coverage questions
Quality-based programs

Our quality-based programs offer your business opportunities for lower costs while giving your employees access to better care.
Blue Distinction® Specialty Care

Blue Distinction means better health care and lower costs for your employees and your business:5

  • Expert doctors, nurses, and staff with specialty experience.
  • Highest level of patient support at all stages of care.
  • Better outcomes and fewer complications after treatment.6
  • Easier for your employees to choose quality-focused specialty treatment. 
Explore the Blue Distinction Program
Blue Premier℠

Blue Premier addresses some of the greatest challenges in today’s health care system to deliver improved member experience, lower costs, and better outcomes. This signature statewide program emphasizes value-based care that drives real results for members and employers:

  • $650M in cost savings in program's first 4 years alone.7
  • 1.4M Blue Cross NC members served in 2022.7
  • 18% reduction in unplanned hospital readmissions.7
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Disclosures:

  1. Total cost of care savings based on Consortium Health Plans analysis, 2021. Savings are on average and assume 100% enrollment. Results will vary based on employer locations and implementation.

  2. In the North Carolina market, BlueHPN is available to employees who live in the following counties: Alexander; Anson; Cabarrus; Caswell; Catawba; Chatham; Cleveland; Davidson; Davie; Durham; Forsyth; Gaston; Granville; Guilford; Iredell; Lincoln; Mecklenburg; Orange; Person; Randolph; Rowan; Stanly; Stokes; Union; Wake; Wilkes; Yadkin; York County, SC. Urgent and emergent care benefits available in non-BlueHPN markets. Market footprint subject to change. Member eligibility may vary by employer. Talk to an authorized Blue Cross NC sales agent or representative for details.

  3. Covered in nearly 200 countries and territories worldwide through the Blue Cross and Blue Shield Association BlueCard® program. ​www.geo-blue.com/ (Accessed March 2025). BlueCard coverage varies for each Blue Cross and Blue Shield plan. For more complete details, including benefits, limitations and exclusions, please refer to your certificate of coverage.

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

  5. Blue Distinction Centers (BDC) met overall quality measures for patient safety and outcomes, developed with input from the medical community. A Local Blue Plan may require additional criteria for facilities located in its own service area; for details, contact your Local Blue Plan. Blue Distinction Centers+ (BDC+) also met cost measures that address consumers’ need for affordable healthcare. Each facility’s cost of care is evaluated using data from its Local Blue Plan. Facilities in CA, ID, NY, PA, and WA may lie in two Local Blue Plans’ areas, resulting in two evaluations for cost of care; and their own Local Blue Plans decide whether one or both cost of care evaluation(s) must meet BDC+ national criteria. National criteria for BDC and BDC+ are displayed on www.bcbs.com. Individual outcomes may vary. For details on a provider’s in-network status or your own policy’s coverage, contact your Local Blue Plan and ask your provider before making an appointment. Neither Blue Cross and Blue Shield Association nor any Blue Plans are responsible for non-covered charges or other losses or damages resulting from Blue Distinction or other provider finder information or care received from Blue Distinction or other providers.

  6. Blue Cross and Blue Shield Association (BCBSA). (June 2023). “Blue Distinction Specialty Care: Facts and Figures of the Program” (Accessed October 2023).

  7. “Blue Cross NC’s Blue Premier Program Surpasses Half a Billion Dollars in Total Savings for Members, Doctors and Hospitals, Employers.” Online: https://mediacenter.bcbsnc.com/news/blue-cross-ncs-blue-premierSM-program-surpasses-half-a-billion-dollars-in-total-savings-for-members-doctors-and-hospitals-employers (Accessed December 2024).

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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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© 2025 Blue Cross and Blue Shield of North Carolina. ®, SM Marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.