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Plans For Groups Of 50 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


Plan Details

What it is

HMO
Our traditional managed care plan

PPO
Our flagship product, offering the highest standard of convenience

PPO
Our flagship product, offering the highest standard of convenience

Consumer-driven health plan
that encourages maximum employee engagement

For employers, this plan offers

Consistent costs to better manage health care budgets

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

Rich in-network benefits with the security of copayments for services

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 - most services covered by a copayment

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 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.

  1. Blue Extras programs may not apply to all health plans. Discounts on certain goods and services may not be provided directly by BCBSNC, but may instead be arranged by BCBSNC for member convenience. Any discounts are outside your health plan benefits. BCBSNC is not liable for problems resulting from goods and services it does not provide directly, such as goods and services being provided or being provided negligently. BCBSNC may change or discontinue these programs at anytime. Blue Cross and Blue Shield Association Internal Data:
  2. www.bcbs.com/new/pres/facts/bluecard.html. January 2008.
  3. All products, except dental, are offered by Saegis Benefits through USAble Life. Saegis Benefits is an authorized agency of Blue Cross and Blue Shield of North Carolina.