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.
| What it is | PPO |
PPO |
Consumer-driven health plan |
| 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 Features | Offer employees integrated health and dental plans.
|
Offer employees dental coverage at a preferred group rate.
|
| 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 Basic and Major Services 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.