Plans for groups
From 1 to 50 employees
Our 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 four plans BCBSNC offer for small businesses.
|BlueCare®||Blue OptionsSM||Blue Options
|Blue Options HSASM|
|What it is||HMO
Out traditional managed care plan
Our flagship product, offering the highest standard of convenience
A consumer-driven health plan with traditional plan design
|Consumer-driven health plan that encourages maximum employee management|
|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|
Create the combination of features and payment levels that are right for you.
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
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 not being provided or being provided negligently. BCBSNC may change or discontinue these programs at any time.
2 Blue Cross and Blue Shield Association Internal Data: www.bcbs.com/new/pres/facts/bluecard.html, January 2008
®, SM Mark of the Blue Cross and Blue Shield Association