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Health plans and networks for large companies
The larger the network, the more doctors and pharmacies in that network. But a larger network with more doctors and pharmacies also means the health plan may cost more.
Looking to control your employee plan costs while getting the most value? Use our employer solutions to optimize your network and strengthen the foundation of your workforce’s health plan.
Choose from these plan options
Find the perfect health plan for your business. Choose the right balance of network, coverage options and benefits.
Blue Options® PPO
- Largest Blue Cross NC provider and hospital network
- Integrated Rx drug benefit
- Available in all 100 NC counties
- Coverage extends across the US and around the world4
Consumer-driven health plans (CDHPs)
We work with HealthEquity, Inc.® to offer our members consumer-driven group insurance solutions that fully integrate with their health plan. These CDHPs deliver tax-favorable HSAs, HRAs and FSAs with cost-saving benefits.5
Understanding your plan options
Health Savings Account (HSA)
- Employer or employee funds with pre-tax dollars up to limits set by the IRS6
- May be used for qualified medical expenses
- Unused amounts roll over to the next year without penalty
- Pair with any eligible high-deductible health plan on any network
Health Reimbursement Account (HRA)
- Employer funds and owns the account
- May only be used for qualified medical expenses
- Enrollee is not required to participate in a high-deductible health plan
Flexible Spending Account (FSA)
- Employee funds with pre-tax dollars by voluntary salary reduction (employer may contribute)
- May be used for qualified medical expenses, equipment and services
- Employee forfeits any balance remaining at end of year (a “use-it-or-lose-it” account)
- Enrollee is not required to participate in a high-deductible health plan
Find care that's right for you
Health plan funding options
When you choose fully insured, we'll underwrite your group’s medical expenses, as well as provide full administrative services. This is the simplest, most effort-free health plan coverage option for businesses.
Benefits:
- A simple monthly premium
- Predictable and stable health care costs
- Peace of mind, ease and convenience – we handle the details
- Health benefits without claims cost risks
This funding option offers groups with at least 20 eligible employees the advantages of a self-funded plan with the financial protection and predictable monthly payments of a fully insured plan.
Benefits:
- Potential savings that can come from self-funding
- Predictable monthly rates, similar to a fully insured plan
- Integrated stop-loss coverage
- Money-back opportunities
Our self-funded option offers control and flexibility in plan design for large businesses (more than 100 full time employees). Self-funded, or Administrative Services Only (ASO), arrangements allow the business to fund their own health benefits and claims while Blue Cross NC provides all or some administrative services.
Benefits:
- Stop-loss insurance to limit potential claims losses
- Flexibility in plan design
- More control over cash flow
Health and wellness resources
We offer helpful resources to help get the most from you plan.7
Affordable Care Act (ACA) requirements
Based on your company size, you may be subject to a penalty if you choose not to offer your employees health insurance.12
More information is available through the Health Insurance Marketplace at healthcare.gov.
Request a large group quote
See your large group insurance options. We'll put together a detailed quote for your team.
Disclosures:
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Fully insured savings based on Blue Cross NC analysis (February 2022). North Carolina savings for BlueHPN compared to Blue Options® PPO. Fully insured savings are premium savings that include medical, Rx, administration, premium taxes and more. Results will vary based on employer location and plan selection.
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Total cost of care savings based on Consortium Health Plans analysis, 2021. Savings are on average and assume 100% enrollment. Results will vary based on employer locations and implementation. Fully Insured savings based on Blue Cross and Blue Shield of North Carolina analysis, February 2021. Fully Insured savings are premium savings which include medical, Rx, administration, premium taxes, and more. Results will vary based on employer location, plan selection, and implementation.
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In the North Carolina market, BlueHPN is available to employees who live in the following counties: Alexander; Anson; Cabarrus; Caswell; Catawba; Chatham; Cleveland; Davidson; Davie; Durham; Forsyth; Gaston; Granville; Guilford; Iredell; Lincoln; Mecklenburg; Orange; Person; Randolph; Rowan; Stanly; Stokes; Union; Wake; Wilkes; Yadkin; York County, SC. Market footprint for 1/1/2023. Urgent and emergent care benefits in non-BlueHPN markets. Market footprint subject to change. Member eligibility may vary by employer. Talk to an authorized Blue Cross and Blue Shield of North Carolina (Blue Cross NC) sales agent or representative for details.
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Blue Cross Blue Shield Association (BCBSA), www.bcbs.com/learn/glossary#B (Accessed August 2022).
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Blue Cross NC contracts with HealthEquity, Inc. to perform certain HSA, HRA and FSA administrative services.
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Consult a tax professional for additional information. Withdrawals are tax-free only if used for qualified medical expenses. See irs.gov for a detailed description of qualified expenses. Consult your own legal counsel/tax advisor for any legal/tax questions.
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Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable throughout your health care experience.
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Not all Blue Cross NC member engagement wellness activities are available to all employers. Contact your authorized representative for details. Members must be at least 18 years old to participate in Blue Rewards activities. Participation restrictions apply based on plan type. Blue Cross NC reserves the right to change or discontinue Blue Rewards at any time, including changing dollar amounts and available rewards, without prior notification. Visit BlueCrossNC.com/BlueRewards for full program terms and conditions.
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Your chance to earn Blue Rewards may be available for a limited time only. Please note that it may take time for activities to show as completed in the Blue Connect℠ Activity Center and for you to receive your reward. Members should consult with their tax professional on the tax treatment of any reward. Must be at least 18 years old to participate. Participation restrictions apply based on plan type. Blue Cross NC reserves the right to change or discontinue Blue Rewards at any time, including changing dollar amounts and available rewards, without prior notification. Consult with your benefits administrator or visit BlueCrossNC.com/BlueRewards for full program terms and conditions.
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Blue365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items that are covered under the policies with Blue Cross NC. Any disputes regarding these products and services may be subject to the Blue Cross NC grievance process. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither Blue Cross NC nor BCBSA recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. This program may be modified or discontinued at any time without prior notice.
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Certain preventive care services are covered at 100% before deductible when received in an in-network office or outpatient setting. Other covered services may be subject to deductible and coinsurance. When you receive preventive care out-of-network, you may pay more. Visit BlueCrossNC.com/preventive for a full list of preventive services.
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Consult a tax professional for additional information.
For costs and further details of the coverage, including exclusions, reductions or limitations and terms under which the policy may be continued in force, see your authorized Blue Cross NC sales agent or representative.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable throughout your health care experience.
Atrium Health, Duke Health, Frye Regional Medical Center (a Duke LifePoint Hospital) and Iredell Health are independent companies, solely responsible for the services they offer and do not offer Blue Cross or Blue Shield products or services.
Fitbit, HealthEquity Inc. and Prime Therapeutics are independent companies that are solely responsible for the services they provide. They do not offer Blue Cross or Blue Shield products or services.
All other trade names are the property of their respective owners.
Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.
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