Group Health Plans for Businesses

Plans and Programs Designed to Fit Your Employees' Needs

Find the perfect plan for your business - big or small.

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We can help you choose the right program for both your employees and your business:

  • Choice of multiple networks from large to local
  • Health and wellness programs for your employees
  • Preferred Provider Organization (PPO) plans to point-of-service plans

Benefits of Buying a Blue Cross NC Plan


Here's what you get with a Blue Cross NC health plan:


100% preventive care coverage3


Online tools to find doctors and compare health care costs


Plans with coverage statewide, across the country and around the world2


Health and wellness programs like our free 24/7 nurse health support line


All fully insured health plans are ACA (Affordable Care Act) compliant

How to Choose a Health Plan


Select the number of Full-Time Equivalents (FTEs) in your company:

 
 
 

Plan Type & Network  (1-50 FTEs)


The larger the network, the more doctors and drugstores there are in that network. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs. But, it also means the health plan may cost more.

Keep in mind that even though we offer out-of-network coverage, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.
 

Blue Options

  • Largest Provider Network
  • Integrated Rx Drug Benefit
  • Available in All 100 Counties
network map for Blue Options
 
Blue Select Plus

  • Tiered Benefits for Higher-Value Care
  • Broad Provider Network
  • Available in All 100 Counties
network map for Blue Select Plus
 
Blue Value

  • Limited Provider and Hospital Network
  • Lower Monthly Cost
  • Limited County Availability
network map for Blue Value
 
Blue Local with
Atrium Health

  • Smaller, Local Network
  • Includes Nationally Ranked Atrium Health
  • Lower Monthly Premiums for Employees

network map for Blue Local with Atrium Health

Blue Local with
Wake Forest Baptist Health

  • Lower Monthly Premiums for Employees
  • Smaller, Local Network
  • Integrated Providers for Quality Care

network map for Blue Local Wake Forest

Plan Type & Network  (More than 50 FTEs)


The larger the network, the more doctors and drugstores there are in that network. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs. But, it also means the health plan may cost more.

Keep in mind that even though we offer out-of-network coverage, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.
 

Blue Options

  • Largest Provider Network
  • Integrated Rx Drug Benefit
  • Available in All 100 Counties
network map for Blue Options
 
Blue Select Plus

  • Tiered Benefits for Higher-Value Care
  • Broad Provider Network
  • Available in All 100 Counties
network map for Blue Select Plus
 
Blue Value

  • Limited Provider and Hospital Network
  • Lower Monthly Cost
  • Limited County Availability
network map for Blue Value
 
Blue Local with
Atrium Health

  • Smaller, Local Network
  • Includes Nationally Ranked Atrium Health
  • Lower Monthly Premiums for Employees

network map for Blue Local with Atrium Health

Blue Local with
Wake Forest Baptist Health

  • Lower Monthly Premiums for Employees
  • Smaller, Local Network
  • Integrated Providers for Quality Care

network map for Blue Local Wake Forest

Multiple Options  (1-50 FTEs)


Dual-Option Plans4

If you have 10 or more employees on your benefit plan, give your employees the ability to choose between two plans for the benefits that best suit their needs. All you have to do is establish your base plan and choose a second, richer buy-up plan from our many options for those employees who need or want more benefits.

  • Employer contribution - Set your contribution to your premium as a  fixed dollar amount or fixed percentage for the base plan. Employees who want the richer benefit plan option can choose to buy up to that plan. Your cost stays the same.
  • Broad choice of plan designs - As your business needs change, you'll be able to adjust your plan choices year-to-year and keep your coverage with Blue Cross NC. 

HRAs

Take more control of your health care budget with a fund-based health plan. Our HRA offers several funding options (first dollar, last dollar, shared bridge and modified bridge). You can also pro-rate contributions for employees who join mid-plan—all without any additional premium cost.

Benefits:

  • You can have more control over premium costs as your employees become most cost-conscious
  • You can reinvest unspent funds in your company
  • You can offer health care benefits even with a high employee turnover rate

Balanced Funding5

This funding option offers groups with at least 20 eligible employees the advantages of a self-funding plan with the financial protection and predictable monthly payments of a fully insured plan.

Benefits:

  • Potential savings that can come from self-funding
  • Predictable montly rates similar to a fully insured plan
  • Integrated stop-loss coverage
  • Money-back opportunities

Multiple Options  (More than 50 FTEs)


Consumer-Driven Health Plans (CDHPs)

Our unique relationship with HealthEquity® allows us to offer our members consumer-driven solutions that are fully integrated with their health plan.These CDHPs deliver tax-favorable HSAs, HRAs and FSAs with these great benefits:

  • HSA (Health Savings Account)
    • Can be paired with any eligible plan on any network††
    • Employer or employee funds with pretax dollars up to limits set by the IRS
    • Unused amounts roll over to the next year without penalty
    • May be used for qualified medical expenses and retirement income
       
  • HRA (Health Reimbursement Account)
    • Employer funds and owns the account
    • May only be used for qualified medical expenses
    • Enrollee is not required to participate in a high-deductible plan††
       
  • FSA (Flexible Spending Account)
    • 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 plan††

 

† Blue Cross NC is the plan administrator and contracts with HealthEquity, Inc., an independent entity, to perform certain HRA, HAS and FSA administrative services.

†† HSAs and HRAs can be paired with any high-deductible health plan with an eligible deductible. These benefits are commonly provided by employers to help reduce employees’ high out-of-pocket limits.


Funding Options

Fully Insured

Choose fully insured and we'll underwrite your group's medical expenses as well as provide full administrative services.

Benefits:

  • A simple monthly premium with predictable and stable health care costs
  • Peace of mind, ease and convenience - We handle the details
  • Health benefits without claims cost risks
Self-Funded5

Our self-funded option offers control and flexibility in plan design for large businesses (more than 100 FTEs). Self-funded arrangements (sometimes referred to as ASOs) allow the business to fund their own health benefits and claims while Blue Cross NC provides all or a portion of administrative services.

Benefits:

  • Stop-loss insurance to limit potential claims losses
  • Flexibility in plan design
  • More control over cash flow
Balanced Funding5

This funding option offers groups with at least 20 eligible employees the advantages of a self-funding plan with the financial protection and predictable monthly payments of a fully insurance plan.

Benefits:

  • Potential savings that can come from self-funding
  • Predictable montly rates similar to a fully insured plan
  • Integrated stop-loss coverage
  • Money-back opportunities

Dental Plans  (1-50 FTEs)


You now have a choice.

Choose dental coverage only or add it to an existing health plan. When you combine a dental plan with your group medical insurance, you get:

  • One source of simplified administration
  • One point of contact
  • One bill and one place to update employee eligibility and changes
  • Consolidated dental information about your employees so case managers can evaluate overall health
  • Access to dentists in all 50 states through our national network

Learn more about our Dental Plans.

Dental Blue®

  • Same benefit levels in- and out-of-network1
  • Annual deductible
  • Broad national network
  • Visit any dentist1
  • Employer-paid
  • Traditional and Rollover plan designs
  • Up to two (2) cleanings & exams per benefit period
  • Single ID card with medical

Dental Blue Select®

  • Same benefit levels in- and out-of-network1
  • Lifetime deductible
  • Broad national network
  • Visit any dentist1
  • Voluntary, shelf-rated offering
  • Standard, Complete and Enhanced plans
  • Up to two (2) cleanings & exams per benefit period2
  • Separate ID card from medical

Dental Care Resource Center

The Dental Care Resource Center has the information and tools you need to get a healthy smile. Read helpful articles, get tips for good dental health, check symptoms or find answers to frequently asked questions.

Visit Our Dental Care Resource Center

1 Non-participating providers may bill members the balance for amounts higher than what is allowed for out-of-network.
2 The Standard plan includes one cleaning & exam per benefit period

Dental Plans (More than 50 FTEs)


Our Offering:

Dental Blue is our broad family of dental products. Within that family, we offer plans that have a more traditional structure with the same benefit levels in- and out-of-network, plans that have richer benefits for members who stay in-network for services, and plans that have steady, shelf-rates and a lifetime deductible.

Dental Blue®
  • Same benefit levels in- and out-of-network1
  • Annual deductible
  • Broad national network
  • Visit any dentist1
  • Employer-paid
  • Traditional and Rollover plan designs
  • Up to two (2) cleanings & exams per benefit period
  • Single ID card with medical
Dental Blue® PreferredSM (PPO)
  • Higher benefit levels in-network1
  • Annual deductible
  • Broad national network
  • Visit any dentist1
  • Employer-paid or Voluntary
  • Traditional, Rollover and new Balanced plan designs
  • Up to three (3) cleanings & exams per benefit period2
  • Single ID card with medical
Dental Blue Select® (Shelf-rated)
  • Same benefit levels in- and out-of-network1
  • Lifetime deductible
  • Broad national network
  • Visit any dentist1
  • Voluntary, shelf-rated offering
  • Standard, Complete and Enhanced plans
  • Up to two (2) cleanings & exams per benefit period3
  • Separate ID card from medical

1 Non-participating providers may bill members the balance for amounts higher than what is allowed for out-of-network.
2 For plan effective dates of 1/1/20 and after.
3 The Standard plan includes one cleaning & exam per benefit period


Dental Care Resource Center

The Dental Care Resource Center has the information and tools you need to get a healthy smile. Read helpful articles, get tips for good dental health, check symptoms or find answers to frequently asked questions.

Visit Our Dental Care Resource Center

Vision Plans  (1-50 FTEs)

Blue 20/20 Vision Plans to Meet Your Employees’ Needs

Our Blue 20/20 plans offer your employees a wide network of vision options. They can choose from independent eye doctors or retail chains and online vision products. Each of our plans has unique features along with great coverage for both in and out-of-network benefits. Plus, no ID card is needed for in-network vision care.

You can choose between employer-paid or voluntary coverage. And, if you purchase with a medical plan, you’ll get one bill and one enrollment to save you time!

Learn more in-depth about our vision plans.

Choose from Three Flexible Plan Options:

Blue 20/20 Exam Only Blue 20/20 Exam Plus           

Blue 20/20 Lens and Frame Only

Coverage for routine comprehensive eye exams Coverage for routine comprehensive eye exams No coverage for routine comprehensive eye exams
  Coverage for lenses or contact lenses, and frames.  No frame formularies* Coverage for contact lenses or complete glasses (frames, standard lenses and lens options in one purchase.) No frame formularies
Additional In-network Savings

 

 

Discounts for glasses (up to 40% off) 40% off additional complete sets of glasses at any in-network location anytime during the benefit year 40% off additional complete sets of glasses at any in-network location anytime during the benefit year
Discounts for Lasik or PRK Discounts for Lasik or PRK Discounts for Lasik or PRK
  20% off non-covered items including non-prescription sunglasses 20% off non-covered items including non-prescription sunglasses
  20% off any remaining balance above your frame allowance 20% off any remaining balance above your frame allowance
Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items

 

Vision Plans  (More than 50 FTEs)

Blue 20/20 Vision Plans to Meet Your Employees’ Needs

Our Blue 20/20 plans offer your employees a wide network of vision options. They can choose from independent eye doctors or retail chains and online vision products. Each of our plans has unique features along with great coverage for both in and out-of-network benefits. Plus, no ID card is needed for in-network vision care.

You can choose between employer-paid or voluntary coverage. And, if you purchase with a medical plan, you’ll get one bill and one enrollment to save you time!

 

Choose from Three Flexible Plan Options:

Blue 20/20 Exam Only Blue 20/20 Exam Plus           

Blue 20/20 Lens and Frame Only

Coverage for routine comprehensive eye exams Coverage for routine comprehensive eye exams No coverage for routine comprehensive eye exams
  Coverage for lenses or contact lenses, and frames.  No frame formularies* Coverage for contact lenses or complete glasses (frames, standard lenses and lens options in one purchase.) No frame formularies
Additional In-network Savings

 

 

Discounts for glasses (up to 40% off) 40% off additional complete sets of glasses at any in-network location anytime during the benefit year 40% off additional complete sets of glasses at any in-network location anytime during the benefit year
Discounts for Lasik or PRK Discounts for Lasik or PRK Discounts for Lasik or PRK
  20% off non-covered items including non-prescription sunglasses 20% off non-covered items including non-prescription sunglasses
  20% off any remaining balance above your frame allowance 20% off any remaining balance above your frame allowance
Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items Special offers on Blue Connect for discounts on frames and lenses, contacts, and other vision services and items

Health & Wellness  (1-50 FTEs)


Blue Connect

Log in or register on Blue Connect

Our exclusive site for members offers:

  • Forms for claims and plan changes
  • Details about plan benefits
  • Personalized health and wellness programs
  • Exclusive online savings

Log In or Register

Preventive Care

Our Preventive Care Services

Our Preventive Care Services List shows you which services and prescriptions are considered preventive and covered at 100%.

Preventive Care Services

Prime Mail

Prime Mail Overview - pdf

Prime Mail delivers a 90-day supply of medications by mail right where you want them. No driving. No waiting.

Already getting your prescription drugs by mail? You'll need to shift existing mail order prescriptions to a BCBSNC Pharmacy Benefits Manager to keep receiving them.

Prime Overview (PDF)

Health Line Blue℠

Learn more about Health Line Blue

Health Line Blue connects you to a trained nurse, 24/7, to get your health questions answered.

Health Line Blue

Blue Rewards

Our Wellness Programs - pdf

Our Blue Rewards program encourages participation in activities that can improve your employee’s health and wellbeing. Rewards come in the form of gift cards or, in some cases, HSA/HRA credit for self-insurance plans.

Blue Rewards (PDF)

Blue365®

Learn more about Blue365

Blue365 has great deals on fitness gear, personal care, gym memberships, family activities, vision and hearing products.7

Blue365

Health & Wellness (More than 50 FTEs)


Blue Connect℠

Log in or register on Blue Connect

Our exclusive site for members offers:

  • Forms for claims and plan changes
  • Details about plan benefits
  • Personalized health and wellness programs
  • Exclusive online savings

Log In or Register

Preventive Care

Our Preventive Care Services

Our Preventive Care Services List shows you which services and prescriptions are considered preventive and covered at 100%.

Preventive Care Services

Prime Mail

Prime Mail Overview - pdf

Prime Mail delivers a 90-day supply of medications by mail right where you want them. No driving. No waiting.

Already getting your prescription drugs by mail? You'll need to shift existing mail order prescriptions to a BCBSNC Pharmacy Benefits Manager to keep receiving them.

Prime Overview (PDF)

Health Line Blue℠

Learn more about Health Line Blue

You have a direct line to a trained nurse all day, every day to get your health questions answered. Or if you just need help deciding where to go for your care, our nurses can help.

Health Line Blue

Blue Rewards

Our Wellness Solutions - pdf

Our Blue Rewards program encourages participation in activities that can improve your employee’s health and wellbeing. Rewards come in the form of gift cards or, in some cases, HSA/HRA credit for self-insurance plans.

Blue Rewards (PDF)

Blue365®

Learn more about Blue365

Blue365 has great deals on fitness gear, personal care, gym memberships, family activities, vision and hearing products.7

Blue365

ACA Requirements  (1-50 FTEs)


Based on your size selection, you may not be subject to a penalty if you choose not to offer your employees health insurance.8 But, you may be eligible for Small Business Health Care Tax credits if you have less than 25 full-time employees.9

More information is available through the Health Insurance Marketplace at healthcare.gov.

ACA Requirements (More than 50 FTEs)


Based on your size selection, you may be required to offer health insurance or pay an Employer Shared Responsibility Payment.8

More information is available through the Health Insurance Marketplace at healthcare.gov.

Get Started  (1-50 FTEs)

Please use the form for more than 50 FTEs. Thank you.

Get Started  (More than 50 FTEs)

Please use the form for less than 51 FTEs. Thank you.