About Blue Options FCNo two people have the same health care needs. So naturally, one solution isn't going to satisfy everyone. With Blue Options Fixed Contribution, employees can build a plan that works best with their lifestyle. Not everyone wants comprehensive health care benefits. With Blue Options Fixed Contribution, employees can personalize a plan to meet their unique needs. Employee-controlled plansJust as you have the flexibility to pick your contribution level, your employees have the freedom to purchase the benefits that are most important to them. To build a health plan, they use eBenefitsNOWSM1, our innovative online shopping and enrollment tool, to pick from numerous plan combinations offering a range of out-of-pocket expense levels for office visits, prescription drugs and more. Comparison shopping clarifies the exact cost of coverage choices and the value of your contribution. Flexible fund optionsIf they choose, employees can buy benefits beyond what your contribution covers. If they have unused money from your contribution, it is placed into a health reimbursement account (HRA). HRA funds can often be rolled over toward next year's out-of-pocket expenses as well. Built around our most popular planBlue Options Fixed Contribution is built around our most popular plan, the Blue OptionsSM PPO, which offers our largest network of doctors and hospitals and the freedom to go outside that network for care. The only differences are in out-of-pocket cost and whether your employees have to file a claim. And, with the Blue Cross and Blue Shield Association's Blue Card® network, your employees are covered across the United States and in more than 200 countries and territories worldwide.1
Strong provider discountsWe have negotiated competitively discounted rates with our providers to maximize savings for you and your employees. Health care cost awarenessMost people don't realize how much their employer contributes to their health care. Too often, you spend more, yet your employees get less. With Blue Options Fixed Contribution, employees will see the actual cost of health care. Comparison shopping clarifies the exact cost of coverage choices and the value of your contribution. 1 Blue Cross and Blue Shield Association Internal Data, 2004. 2 Referrals may be needed for certain mental health and substance abuse services. 3 Some services and supplies received by members in an office setting or in connection with an office visit are in fact outpatient hospital-based services provided by hospital-owned or operated practices. These services and supplies may be subject to your deductible and coinsurance. Please reference your provider directory for a complete list of these services and supplies. BCBSNC reserves the right to discontinue or change this program at any time. ®, SM marks of the Blue Cross and Blue Shield Association. SM1 mark of Blue Cross and Blue Shield of North Carolina. |