Group Health Plans for Businesses

Plans and Programs Designed to Fit Your Employees' Needs

Are you looking for an Individual and Family or Medicare plan?

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

  • 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

We can help answer those questions and help you find a health insurance plan that suits you best.

Benefits of Buying a Blue Cross NC Plan


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


Voted one of the world's most ethical companies1


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  (5-50 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 too, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.

If you have a doctor you'd like to keep seeing, you can use our Find a Doctor search tool to be sure your doctor is in that network. You can also look up the cost of a medication with our Find a Drug tool.

 
Traditional PPO
Largest Network
 
network map for Blue Options
 
Find a Doctor Find a Drug
High Deductible Plan + HSA
Largest Network
 
network map for Blue Options HSA
 
Find a Doctor Find a Drug
Tiered PPO w/ Two Levels of
In-Network Benefits
Largest Network
network map for Blue Select
 
Find a Doctor Find a Drug
Point-of-Service
Limited Network

network map for Blue Value
 
Find a Doctor Find a Drug
Point-of-Service
Local Network
 

 

network map for Blue Local with Carolina HealthCare System - Charlotte area available January 1, 2016
 
Find a Doctor Find a Drug

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 too, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.

If you have a doctor you'd like to keep seeing, you can use our Find a Doctor search tool to be sure your doctor is in that network. You can also look up the cost of a medication with our Find a Drug tool.

Traditional PPO
Largest Network
network map for Blue Options
Find a Doctor Find a Drug
High Deductible Plan
Largest Network
network map for Blue Options 123
Find a Doctor Find a Drug
Tiered PPO w/ Two Levels of
In-Network Benefits
Largest Network
network map for Blue Select
Find a Doctor Find a Drug
Point of Service
Limited Network
network map for Blue Value
Find a Doctor Find a Drug
Regional
Limited Network

network map for Blue Local with Carolina HealthCare System - Charlotte area

Find a Doctor Find a Drug

*Blue Cross NC has collaborated with Duke Health and WakeMed & Carolinas HealthCare System. Blue Local is a health insurance plan offered by Blue Cross NC with a limited provider network. Duke Health and WakeMed & Carolinas HealthCare System are independent companies and solely responsible for the physicians and medical facilities it owns/operates and does not offer BCBS products or services.

Multiple Options  (5-50 FTEs)


Hi-Lo Plans4

Give your employees the ability to choose between four plans for the benefits that best suit their needs. All you have to do is establish your core plan and choose a second, richer plan from our many options for those employees who need or want more benefits.

  • Fixed contribution - Set your fixed dollar amount or fixed percentage for the low or core option. Employees who want the higher option, or richer benefit plan can choose to buy up to that plan. Your cost stays the same.
  • Customize your coverage - We know business needs change. With Hi-Lo plans, you can choose between four plan options. You'll also be able to adjust your plan choices year-to-year without changing insurers.

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 option offers groups with at least 26 eligible employees the advantages of a self-funding plan. Balanced Funding also gives you greater flexibility in meeting your employees' needs. Because these plans qualify as self-funded, you'll face fewer state and federal regulations as well as ACA mandates.

Benefits:

  • Potential savings that can come from self-funding
  • Predictability similar to a fully insured plan
  • Money-back saving 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 BCBSNC 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 option offers the advantages of traditional self-funding plans, but with the stability of full coverage. Balanced funding also gives you greater flexibility in meeting your employees' needs. Because these plans qualify as self-funded, you'll face fewer state and federal regulations as well as ACA mandates.

Benefits:

  • Savings that can come from self-funding
  • Predictability similar to a fully insured plan
  • Money-back saving opportunities
  • Walk-away protection

Dental Plans  (5-50 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

 

Dental Blue®

  • Broad national network
  • Use any dentist*
  • Same benefit levels in- and out-of-network*
  • Employer-paid
  • Traditional and Rollover plans
  • One ID card for dental and medical

 

Dental Blue Select®

  • Broad national network
  • Use any dentist
  • Same benefit levels in- and out-of-network*
  • Voluntary, out-of-the-box plan
  • Standard, Complete and Enhanced plans
  • Two ID cards, one for dental and one for 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

*Non-participating providers may bill members the balance for amounts higher than what is allowed for out-of-network.

Dental Plans (More than 50 FTEs)


Blue Cross NC offers a variety of simple plans that best fit your business needs.

Each plan has unique features, but no matter which you choose, your employees get great coverage and the option of choosing in-network or out-of-network benefits.

You now have a choice.

Dental Blue®
  • Broad national network
  • Visit any dentist*
  • Same benefit levels in- and out-of-network*
  • Employer-paid
  • Traditional and Rollover plan designs
  • Single ID card with medical
Dental Blue® PreferredSM (PPO)
  • Broad national network
  • Visit any dentist*
  • Higher benefit levels in-network*
  • Employer-paid or Voluntary
  • Traditional, Rollover and new Balanced plan designs
  • Single ID card with medical
Dental Blue Select®
  • Broad national network
  • Visit any dentist*
  • Same benefit levels in- and out-of-network*
  • Voluntary, shelf-rated offering
  • Standard, Complete and Enhanced plans
  • Separate ID card from medical

*Non-participating providers may bill members the balance for amounts higher than what is allowed for out-of-network.


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

Health & Wellness  (5-50 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

Wellness Programs

Our Wellness Programs - pdf

Wellness Programs give basic, low-cost options to help you improve your health.

Some of the benefits include: online health assessment tools, preventive care, support with health challenges, and one-on-one health coaching.6

Wellness Programs (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

Wellness Solutions

Our Wellness Solutions - pdf

Building a culture of health for your employees is not only good for their well-being, it's good for business too. Blue Cross NC has a wide array of wellness programs and services to fit your needs.

Wellness Solutions (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  (5-50 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 FTEs.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  (5-50 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.