Your plan for better healthSM1
Plans for groups of less than 100 employees

Health plans

Blue Cross and Blue Shield of North Carolina offers more than 1,000 benefit combinations and can customize different plans based on the needs and budget of your group health insurance program.

Your employees can utilize our network of providers with the freedom to go directly to a participating doctor or specialist without a referral.1 And, employees will enjoy access to Blue ExtrasSM - our family of discount and wellness programs designed to keep your employees healthy - at no additional cost.2 In addition, Blue Medicare HMO and Blue Medicare PPO plans are flexible and affordable options that may reduce overall premium costs for Medicare-eligible retirees. They will get more comprehensive coverage compared to traditional fee-for-service plans.

Blue Care
  • Our health maintenance organization (HMO) plan
Blue Options
  • Our preferred provider organization (PPO) plan
Blue Options 123
  • Our lower-cost preferred provider organization (PPO) plan with three benefit levels
Blue Options HSA
  • A high deductible health plan paired with a health savings account
Classic Blue. Our Comprehensive Major Medical (CMM) Plan.
  • Our Comprehensive Major Medical (CMM) plan
Blue Medicare HMO. A Medicare Advantage HMO plan.
  • A Medicare Advantage HMO plan offered by PARTNERS National Health Plans of NC, Inc.TM
Blue Medicare PPO. A Medicare Advantage PPO plan.
  • A Medicare Advantage PPO plan offered by PARTNERS National Health Plans of NC, Inc.TM

Need to offer life insurance and dental care? »


Learn about our Dental, Life and Disability plans that allow you to provide employer paid or voluntary benefits to complement your health coverage. You may also purchase these plans independently.

1 Referrals may be needed for mental health and substance abuse services.

2 Blue Extras programs may not apply to all health plans. Discounts on certain goods and services may not be provided directly by Blue Cross and Blue Shield of North Carolina (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 not being provided or being provided negligently. BCBSNC may change or discontinue these programs at any time.