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Shop Plans Self-insured employer health insurance

We offer plans tailored to fit self-insured companies.

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 admin 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.

Available plans

Pick the perfect health plan for your business. Choose the plan with 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

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
Benefits of our custom health plans

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'll support your employees with clinical solutions that promote total wellness:  

  • Preventive care services
  • Mental health access
  • Telehealth care
  • Nurse Support Program
  • Prenatal and postpartum care
Custom company pages

Let us build a custom company 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 treatment6

This program makes it easy 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
For your employees

We offer resources that allow your employees to manage their plan and live their healthiest lives.8

Blue Connect℠ member site

Access the tools9you need to manage your health plan and health care.

Blue365® health and wellness discounts

Save on health and wellness products, including Fitbit®, LASIK10, and more!11

Preventive care covered services

Many services and prescriptions are considered preventive and covered at 100%.12

Learn more about self-insured plans

Reach out to our team to create a custom self-insured plan for your business.

Contact Us