Group Health Plans
for Businesses

  • Choice of multiple networks from large to local
  • Health and wellness programs for your employees
  • Preferred Provider Organization plans to Point-of-Service plans

Are you looking for an Individual and Family or Medicare plan?



Go to next section

Benefits of Buying a BCBSNC Plan


Here's what you get with a BCBSNC health plan:


Voted one of the world's most ethical companies1


Plans with coverage statewide, across the country and around the world2


100% preventive care coverage3


Health and wellness programs like our free 24/7 nurse health support line


Online tools to find doctors and compare health care costs


All fully insured health plans are ACA (Affordable Care Act) compliant.

How to Choose a Health Plan


Select the number of Full-Time Equivalents (FTEs) in your company:


1-4
1 to 4 FTEs
5-50
5 to 50 FTEs
51+
More than 50 FTEs




Plan Type & Network

(5-50 FTEs)


The larger the network, the more doctors and drugstores there are in that network. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs. But, it also means the health plan may cost more.

Keep in mind that even though we offer out-of-network coverage too, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.

If you have a doctor you'd like to keep seeing, you can use our Find a Doctor search tool to be sure your doctor is in that network. You can also look up the cost of a medication with our Find a Drug tool.



Traditional PPO
Largest Network
 

network map for Blue Options

Find a Doctor Find a Drug

High Deductible Plan + HSA
Largest Network
 

network map for Blue Options HSA

Find a Doctor Find a Drug

Tiered PPO w/ Two Levels of
In-Network Benefits
Largest Network

network map for Blue Select

Find a Doctor Find a Drug

Point-of-Service
Limited Network


network map for Blue Value

Find a Doctor Find a Drug

Point-of-Service
Local Network

network map for Blue Local with Carolina HealthCare System - Charlotte area available January 1, 2016

Find a Doctor Find a Drug

Plan Type & Network

(More than 50 FTEs)
(51-100 FTEs)


The larger the network, the more doctors and drugstores there are in that network. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs. But, it also means the health plan may cost more.

Keep in mind that even though we offer out-of-network coverage too, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.

If you have a doctor you'd like to keep seeing, you can use our Find a Doctor search tool to be sure your doctor is in that network. You can also look up the cost of a medication with our Find a Drug tool.



Traditional PPO
Largest Network
 

network map for Blue Options

Find a Doctor Find a Drug

High Deductible Plan + HSA
Largest Network
 

network map for Blue Options HSA

Find a Doctor Find a Drug

Tiered PPO w/ Two Levels of
In-Network Benefits
Largest Network

network map for Blue Select

Find a Doctor Find a Drug

Point of Service
Limited Network
 

network map for Blue Value

Find a Doctor Find a Drug

Point-of-Service
Local Network


network map for Blue Local with Carolina HealthCare System - Charlotte area available January 1, 2016

Find a Doctor Find a Drug

Plan Type & Network

(More than 50 FTEs)
(51-100 FTEs)


The larger the network, the more doctors and drugstores there are in that network. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs. But, it also means the health plan may cost more.

Keep in mind that even though we offer out-of-network coverage too, you'll save the most money when you see a doctor or visit a pharmacy in your plan's network.

If you have a doctor you'd like to keep seeing, you can use our Find a Doctor search tool to be sure your doctor is in that network. You can also look up the cost of a medication with our Find a Drug tool.



Traditional PPO
Largest Network

network map for Blue Options

Find a Doctor Find a Drug

High Deductible Plan
Largest Network

network map for Blue Options 123

Find a Doctor Find a Drug

High Deductible Plan + HSA
Largest Network

network map for Blue Options HSA

Find a Doctor Find a Drug

Tiered PPO w/ Two Levels of
In-Network Benefits
Largest Network

network map for Blue Select

Find a Doctor Find a Drug

Point of Service
Limited Network
 

network map for Blue Value

Find a Doctor Find a Drug

Regional
Limited Network
 

network map for Blue Local Duke Medicine and WakeMed

Find a Doctor Find a Drug

Regional
Limited Network
 

network map for Blue Local with Carolina HealthCare System - Charlotte area

Find a Doctor Find a Drug

Multiple Options

(5-50 FTEs)

Hi-Lo Plans4

Give your employees the ability to choose between four plans for the benefits that best suit their needs. All you have to do is establish your core plan and choose a second, richer plan from our many options for those employees who need or want more benefits.

  • Fixed contribution - Set your fixed dollar amount or fixed percentage for the low or core option. Employees who want the higher option, or richer benefit plan can choose to buy up to that plan. Your cost stays the same.

  • Customize your coverage - We know business needs change. With Hi-Lo plans, you can choose between four plan options. You'll also be able to adjust your plan choices year-to-year without changing insurers.

HRAs

Take more control of your health care budget with a fund-based health plan. Our HRA offers several funding options (first dollar, last dollar, shared bridge and modified bridge). You can also pro-rate contributions for employees who join mid-plan—all without any additional premium cost.

Benefits:

  • You can have more control over premium costs as your employees become most cost-conscious
  • You can reinvest unspent funds in your company
  • You can offer health care benefits even with a high employee turnover rate

Balanced Funding5

This option offers groups with at least 26 eligible employees the advantages of a self-funding plan. Balanced Funding also gives you greater flexibility in meeting your employees' needs. Because these plans qualify as self-funded, you'll face fewer state and federal regulations as well as ACA mandates.

Benefits:

  • Potential savings that can come from self-funding
  • Predictability similar to a fully insured plan
  • Money-back saving opportunities

Multiple Options

(More than 50 FTEs)
(51-100 FTEs)

Hi-Lo Plans4

Give your employees the ability to choose between multiple plans for the benefits that best suit their needs. All you have to do is establish your core plan and choose a second, richer plan from our many options for those employees who need or want more benefits.

  • Fixed contribution - Set your fixed dollar amount or fixed percentage for the low or core option. Employees who want the higher option, or richer benefit plan can choose to buy up to that plan. Your cost stays the same.

  • Customize your coverage - We know business needs change. With Hi-Lo plans, you can choose between multiple plan options. You'll also be able to adjust your plan choices year-to-year without changing insurers.

HRAs

Take more control of your health care spending with a fund-based health plan. Our HRA offers several funding options (first dollar, last dollar, shared bridge and modified bridge). You can also pro-rate contributions for employees who join mid-plan—all without any additional premium cost.

Benefits:

  • You can have more control over premium costs as your employees become most cost-conscious
  • You can reinvest unspent funds in your company
  • You can offer health care benefits even with a high employee turnover rate


Funding Options

Fully-Insured

Choose fully-insured and we'll insure and underwrite your health plan in addition to providing full administrative services.

Benefits:

  • A simple monthly premium with predictable and stable health care costs
  • Peace of mind, ease and convenience - We handle the details
  • Health benefits without claims cost risks

Self-Funded5

Our self-funded option offers control and flexibility in plan design for large businesses (more than 100 FTEs). Self-funded arrangements (sometimes referred to as ASOs) allow the business to fund their own health benefits and claims while BCBSNC provides all or a portion of administrative services.

Benfits:

  • Stop-loss insurance to limit potential claims losses
  • Flexibility in plan design
  • More control over cash flow

Balanced Funding5

This option offers the advantages of self-funding plans, but offers the stability of full coverage. Balanced funding also gives you greater flexibility in meeting your employees' needs. Because these plans qualify as self-funded, you'll face fewer state and federal regulations as well as ACA mandates.

Benefits:

  • Savings that can come from self-funding
  • Predictability similar to a fully insured plan
  • Money-back saving opportunities
  • Walk-away protection

Dental Plans

(More than 50 FTEs)
(51-100 FTEs)
(5-50 FTEs)


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:

  • One source of simplified administration
  • One point of contact
  • One bill providing one place to update eligibility and employee changes
  • Consolidated dental information about your employees so case managers can evaluate overall health
  • Access to dentists in all 50 states through our national network

Dental Care Resource Center

The Dental Care Resource Center has the information and tools you need to get a healthy smile. Read helpful articles, get tips for good dental health, check symptoms or find answers to frequently asked questions.


Visit our Dental Care Resource Center

Health & Wellness

(More than 50 FTEs)
(51-100 FTEs)
(5-50 FTEs)

Log in or register on Blue Connect

Our exclusive site for members offers:

  • Forms for claims and plan changes
  • Details about plan benefits
  • Personalized health and wellness programs
  • Exclusive online savings


Log In or Register

Our Preventive Care Services - pdf

Our Preventive Care Services List shows you which services and prescriptions are considered preventive and covered at 100%.



Services List (PDF)

Prime Mail Overview - pdf

Prime Mail delivers a 90-day supply of medications by mail right where you want them. No driving. No waiting.

Already getting your prescription drugs by mail? You'll need to shift existing mail order prescriptions to a BCBSNC Pharmacy Benefits Manager to keep receiving them.


Prime Overview (PDF)


Learn more about Health Line Blue

Health Line Blue connects you to a trained nurse, 24/7, to get your health questions answered.



Health Line Blue

Our Wellness Programs - pdf

Wellness Programs give basic, low-cost options to help you improve your health.

Some of the benefits include: online health assessment tools, preventive care, support with health challenges, and one-on-one health coaching.6

Wellness Programs (PDF)

Learn more about Blue365

Blue365 has great deals on fitness gear, personal care, gym memberships, family activities, vision and hearing products.7


Blue365

ACA Requirements

(More than 50 FTEs)
(51-100 FTEs)
(5-50 FTEs)

Based on your size selection, you may not be subject to a penalty if you choose not to offer your employees health insurance.8 But, you may be eligible for Small Business Health Care Tax credits if you have less than 25 FTEs.9

More information is available through the Health Insurance Marketplace at healthcare.gov.

ACA Requirements

(More than 50 FTEs)
(51-100 FTEs)
(5-50 FTEs)

Based on your size selection, you may be required to offer health insurance or pay an Employer Shared Responsibility Payment.8

More information is available through the Health Insurance Marketplace at healthcare.gov.

Get Started

(More than 50 FTEs)
(51-100 FTEs)
(5-50 FTEs)


We'd like to help you make the right choice for your business. Please fill out the following and we'll get in touch with you.















Get Started

(More than 50 FTEs)
(51-100 FTEs)


We'd like to help you make the right choice for your business. Please fill out the following and we'll get in touch with you.













Go to top of page