Group Health Coverage
companies with up to 50 employees
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:
- Blue Care® HMO – An HMO plan offering
direct access to a large network of providers and
specialists. Covers worldwide urgent and emergency
room services. Includes
in-network benefits only.
- 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.
- HSA – Pairs a high-deductible Blue Options 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 Options 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.
In-network doctors handle all the administrative details
and file claims automatically. There’s not messy
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.
® mark, SM marks of the Blue
Cross and Blue Shield Association. SM1 mark of Blue
Cross and Blue Shield of North Carolina.
Blue Cross and Blue Shield Association Internal Data,
2003. 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. 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
If you have any questions or would like more information,
please contact us at 1-800-262-1366.
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