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Plans For Groups Of 250 Or Fewer Employees

Our small business consultants will review your needs and talk to you about the features and options of each plan. The following chart gives an overview of the health and dental plans we offer for small businesses.


Plan Details


Plan Details


Plan Details

What it is

PPO
Our flagship product, offering the highest standard of convenience

PPO
Only plan that offers CDH engagement with traditional plan design

Consumer-driven health plan
that encourages maximum employee engagement

For employers, this plan offers

The easiest health plan to manage and administer

Lower premium costs, with features employees are accustomed to, like copayments

The lowest possible premiums, by engaging employees in managing their health care costs

For employees this plan offers

Copayments with flexible access to care in- or out-of-network

Tiered benefits with copayments for frequently used services without fully moving to an HSA

Peace of mind for very large medical expenses, but an account to manage day-to-day health care costs

Employee role in managing their day-to-day costs

Low - Primary and specialty care services are covered by a copayment

Medium - benefit levels are based on place of service. Employees pay copays for primary care, but coinsurance for outpatient and specialty care

High - There are no copays and a deductible must be met before coinsurance begins, so employees are responsible for more of the day-to-day costs


Why You Should Consider BCBSNC Medical

  • We work with you to create the combination of features and payment levels that are right for you.
  • Blue ExtrasSM - Complement your health insurance plan with access to health related topics, plus discounts on everything from vitamins and supplements to laser vision correction. Available to employees at no additional cost.1
  • Coverage in all 100 counties in North Carolina, with a network that expands to more than 200 countries.2

Why You Should Consider BCBSNC Dental

  • Dental Blue coverage can be added to a health plan or used as a stand-alone offering.
  • Combining Dental Blue with your group medical insurance plan you also get:
    • Simplified administration from one source
    • One point of contact
    • One bill, providing one place to update eligibility and employee changes
    • One member ID card for employees
    • Integration of data, allowing case managers to use dental information about your employees to evaluate overall health

Other Product Offerings

  • Saegis Benefits is a full-service insurance agency licensed by Blue Cross and Blue Shield of North Carolina that offers a comprehensive array of benefit options. Saegis can help you round out your employee benefit offering through their partnership with USAble1 Life. There is a wide variety of product options to suit your company's needs such as short-term and long-term disability, life and accidental death & dismemberment 3.
  • Saegis Benefits also offers voluntary plans such as short-term and long-term disability, life, dental, supplemental hospital coverage, cancer, accident and critical illness policies. These plans add value to employee benefit packages at little cost to you.


Plan Details


Plan Details

Plan Features Offer employees integrated health and dental plans.
  • Combine Dental Blue with your BCBSNC health insurance plan.
  • Combination health and dental ID card for employees.
  • Five plan designs that can be modified for your company's needs.
Offer employees dental coverage at a preferred group rate.
  • Simplified plan designs offered on a stand-alone basis (not combined with health insurance).
  • Employees will receive a separate ID card.
  • Three plan designs.
Both Plans Offer

Competitive benefits, coverage and rates, serviced by BCBSNC.

Employees can choose a participating provider to help reduce costs or visit any licensed dental provider.

Diagnostic and Preventive Services
Routine oral exams
Adult and child cleanings
X-rays

Basic and Major Services
Fillings
Endodontics (root canals)*
Simple extractions
Oral surgery
Periodontic (gum treatment)
Inlays and onlays
Crowns
Dentures
Bridges

Optional orthodontic and dental implant coverage available.

How it Works

No employer contribution required.

Higher employee participation required.

No employer contribution required.

Lower employee contribution required.

Why You Should Consider BCBSNC

  • We work with you to create the combination of features and payment levels that are right for you.
  • Blue ExtrasSM - Complement your health insurance plan with access to health related topics, plus discounts on everything from vitamins and supplements to laser vision correction. Available to employees at no additional cost.1
  • Coverage in all 100 counties in North Carolina, with a network that expands to more than 200 countries.2

Why You Should Consider BCBSNC Dental

  • Dental Blue coverage can be added to a health plan or used as a stand-alone offering.
  • Combining Dental Blue with your group medical insurance plan you also get: (Sub bullet list:)
    • Simplified administration from one source
    • One point of contact
    • One bill, providing one place to update eligibility and employee changes
    • One member ID card for employees
    • Integration of data, allowing case managers to use dental information about your employees to evaluate overall health

Other Product Offerings

  • Saegis Benefits is a full-service insurance agency licensed by Blue Cross and Blue Shield of North Carolina that offers a comprehensive array of benefit options. Saegis can help you round out your employee benefit offering through their partnership with USAble®1 Life. There is a wide variety of product options to suit your company's needs such as short-term and long-term disability, life and accidental death & dismemberment3.
  • Saegis Benefits also offers voluntary plans such as short-term and long-term disability, life, dental, supplemental hospital coverage, cancer, accident and critical illness policies. These plans add value to employee benefit packages at little cost to you.