Google+ North Carolina Large Business Health Insurance Plans | BCBSNC

Health Plans

All of our health plans include:

  • A dedicated team: Client engagement representative, group service advisor, account manager and member professional
  • Turnkey wellness solution with Healthy OutcomesSM1, offering several, flexible options including data-based health assessments with reporting1
  • Exclusive member discounts with Blue365®,2
  • Enhanced, integrated HRA options available with most plans

Our flagship plan, offering the highest standard of convenience.

  • A traditional PPO plan
  • Our easiest health plan to administer
  • In- and out-of-network benefits
  • Copayments for routine visits and specialty care3
  • 100% coverage for a wide range of preventive services4,5
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Our PPO plan offering customer-driven engagement with a traditional plan design.

  • A modified PPO with lower premiums than a traditional PPO
  • Copayments for primary care in-network services
  • Deductibles and coinsurance for specialty and outpatient services3
  • 100% coverage for a wide range of preventive services4,5
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Our health savings account plan that encourages maximum employee engagement.

  • A high-deductible consumer-driven health plan
  • Lower premiums than a traditional PPO
  • Tax savings for employees of up to 35% for out-of-pocket costs6
  • 100% coverage for a wide range of preventive services4,5
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Our Preferred Provider Organization (PPO) plan that offers two tiers of in-network benefits in addition to out-of-network coverage. It's a tiered benefit plan that offers the kind of quality, cost-effective coverage employers and employees have been asking for. You will find it an effective way to cut costs - as much as 9% - while covering employees all across the state.7

  • New way to manage the cost of care - choose by provider, by price or by proximity
  • 100% in-network coverage for a broad range of preventive services4,5
  • Limited pharmacy network and our Basic-Open drug formulary result in savings8
  • Excellent, local customer service - for both employers and employees
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Our Point-of-Service (POS) product, which is a type of an HMO with in-network and out-of-network benefits. It is a lower-cost plan offering quality, cost-effective coverage. We've collaborated with providers across the state to create a plan that lets you trade full access to our network of providers for a limited network - with as much as 11% savings in targeted markets.9

  • Smaller provider network helps keep premiums low. See a list of participating hospitals [PDF]
  • 100% in-network coverage for a broad range of preventive services2,3
  • Limited pharmacy network and our Basic-Open drug formulary result in savings8
  • Excellent, local customer service - for both employers and employees
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NOTICE: Deductibles, coinsurance, limitations and exclusions apply to this coverage. Further costs and details of coverage, limitations and exclusions, and terms under which the policy can be continued in force will be provided in your free information package.

1. BCBSNC contracts with Alere Health Improvement Company, an independent third party vendor, for the provision of certain aspects of Healthy Outcomes program.

2. Blue 365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items that are covered under the policies with BCBSNC. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither BCBSNC nor BCBSA recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. This program may be modified or discounted at any time without prior notice.

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 deductible and coinsurance. Please see the BCBSNC provider list to identify these providers.

4. Certain preventive care services are limited to in-network benefits.

5. Preventive care benefits are a result of Health Care Reform requirements for non-grandfathered plans. See benefit booklet for any restrictions or cost-sharing for out-of-network benefits.

6. Consult a qualified tax advisor about possible tax advantages.

7. BCBSNC Internal Data; January 2013 premium difference for Blue Select compared to a comparable Blue Options PPO plan with $1,000 Deductible and 80% Coinsurance. Actual savings will depend on geography and plan design(s) selected by group. Blue Select offers two tiers of benefits in addition to out-of network coverage. Tier 2 providers may not have met one or more of the standards necessary for inclusion in Tier 1.

8. Blue Select and Blue Value both offer a 5-tier benefit option available on the BCBSNC Basic-Open formulary. Some drugs and devices may have step-therapy requirements in which you must try lower-cost alternatives before receiving approval for the higher-cost drug or device, or prove medical necessity.

9. BCBSNC Internal Data; January 2013 premium difference for Blue Value compared to a comparable Blue Options PPO plan with $1,000 Deductible, $2000 Coinsurance Max, 80% Coinsurance. Actual savings will depend on geography and plan design(s) selected by group.

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