What is it?
Blue Options 1-2-3SM is our fastest growing plan.1 It's the middle ground for small businesses that want to provide the benefits of a PPO in a cost effective manner, and don't want to move completely to a high-deductible health plan (HDHP) and/or health savings account (HSA). It is designed to provide the best of both worlds.
How does it work?
Blue Options 1-2-3 divides health care services into three benefit levels, from Level 1 where most of the cost of care is covered by a copayment, to Level 3 where more of the costs of care are shared with the member.
The plan supports primary and preventive care at Level 1, while Level 2 and Level 3 coverage for inpatient, outpatient or specialist care encourages closer management of costs.
This approach also helps lower premiums. In fact, Blue Options 1-2-3 premiums are lower than traditional PPO plans. Employers can expect premium savings of up to 27% when compared to our most popular PPO plan.2
Blue Options 1-2-3 benefits summary
This summary shows the range of coverage available. Your plan benefits can be customized to the needs of your business and employees.
|Level 1||Level 2||Level 3|
|Type of service||
Outpatient care/professional specialist care
|In-network copayment or coinsurance||
Copayments for services
Fee plus coinsurance after deductible
Higher coinsurance rate after deductible
|In-network covered services||
Inpatient hospital services and other care
Outpatient hospital services and other care
(See plan documents for a more detailed listing of covered services)
|Prescription drug coverage||
Covered by our standard Tier 4 coverage.
In-network: $250-$5,000 (Individual); $500-$10,000 (Family) Out of network: $500-$10,000 (Individual); $1,000-$20,000 (Family)
|Out-of-pocket maximum (includes deductible)||
In-network: $2,000-$10,000 (Individual); $4,000-$20,000 (Family)
Is it right for your business?
Blue Options 1-2-3 works for businesses looking for a plan with lower premiums that still offers many of the advantages of a traditional PPO plan. If you and your employees are not quite ready to jump into the hand-on cost management encouraged by a high-deductible health plan, Blue Options 1-2-3 provides the opportunity to manage health care costs with a lower level of employee engagement.
Is it right for your employees?
Getting employees more involved in managing their health care costs is a challenge for any business. Blue Options 1-2-3 is designed to give your employees what they want (primary care copayments) while giving you what you want (lower premium costs).
You can expect preventive and primary care to account for nearly 50% of your employees' health care services.2 With Blue Options 1-2-3, employees only pay a manageable $15-25 copayment for this care.
- The largest network in North Carolina - 95% of doctors in North Carolina and 96% of hospitals in North Carolina are part of our network6
- Over 68% of small businesses in North Carolina who offer their employees health insurance, chose Blue Cross and Blue Shield of North Carolina7
- Rated #1 in customer satisfaction in North Carolina8
- Online access to benefits and claims information at bcbsnc.com
- Blue PointsSM - Earn rewards, including brand-name merchandise and gift cards, just for being active and living healthy9
- Blue ExtrasSM - Discounts on chiropractic services, laser eye surgery, vitamins and more9