Group Coverage
Group Coverage Designed for companies with up to 50 employees
Download Product Descripitions (PDF, 248k)
With Group Coverage, employers can choose from more than 1,000 benefit combinations and make choices based on their particular needs and budget. Employers can customize one of the following plans:
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Blue Care® HMO – An HMO plan offering direct access to a large network of providers and specialists. Covers worldwide urgent and emergency room services.1 Includes in-network benefits only.
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Blue OptionsSM PPO – A preferred provider organization (PPO) with the largest network of doctors and specialists in the state. Members have the freedom to choose in- or out-of-network care and are covered across the country and in more than 200 countries and territories worldwide.1
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Classic Blue® – BCBSNC’s Classic Blue Comprehensive Major Medical (CMM) plan provides traditional coverage with flexibility in provider choice. Under Classic Blue, members pay a deductible and coinsurance. Participating providers receive payment directly from BCBSNC, so there are no claims to file.
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Dental Blue® – With Dental Blue, members don’t pay a deductible for check-ups or diagnostic and preventive services. Check-ups and cleanings are covered twice per benefit period. Plus, members can visit any licensed dentist they choose. There are no “in-network” restrictions.
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Blue Options HSASM – Pairs a high-deductible Blue OptionsSM plan with a health savings account (HSA) and offers lower premiums than traditional plans. Both employers and employees can make tax-free contributions to the HSA. Members use HSA funds to pay out-of-pocket health care expenses and enjoy negotiated provider rates, even before meeting their deductible.
The Blue OptionsSM and Blue Care® provider networks include many of the best doctors, hospitals and specialists in North Carolina. The networks are large and the copayments or coinsurance are predictable.2 In-network doctors handle all the administrative details and file claims automatically. There’s not messy paperwork.
Group Coverage plans offer members a variety of preventive care services, including annual physical exams, Ob/Gyn visits, mammograms and prostate screenings, standard immunizations and annual eye exams.
As Blue Cross and Blue Shield members, employees covered by Group Coverage also have access to a variety of resources and programs designed to maximize their health care experience. Resources include the Member Health PartnershipsSM1, programs that help members manage health conditions like asthma and diabetes, and Blue ExtrasSM, free value-added programs that provide members discounts on everything from vitamins to gym memberships.3
® mark, SM marks of the Blue Cross and Blue Shield Association. SM1 mark of Blue Cross and Blue Shield of North Carolina. 1 Blue Cross and Blue Shield Association Internal Data, 2003. 2 Some services and supplies received by members in an office setting or in connection with an office visit are in fact outpatient hospital-based services provided by hospital-owned or operated practices. These services and supplies may be subject to your deductible and coinsurance. 3 Blue Cross and Blue Shield of North Carolina reserves the right to discontinue or change these program at any time. All plans may not be eligible for these programs.
