Local Group: Companies with 50 or fewer full-time employees
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Local Group Plan Type and Network
The larger the network, the more doctors and pharmacies there are in that network. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs.
You’ll save the most money when you see a doctor or visit a pharmacy in your plan’s network.
Blue Options® and Blue Options® 1-2-3℠
- Largest provider network
- Integrated prescription drug benefit
- Available in all 100 counties
Available in a 1-2-3 benefit tiering featuring:
- Copayments for primary care, urgent care and telehealth1
- Cost sharing for the other services
- Increases employee engagement
Our reach goes way beyond North Carolina, too. With the BlueCard® program, your coverage extends worldwide,
which means you have coverage at home and when you travel.2
Blue High Performance Network℠ (BlueHPN℠)
- Significant savings over our industry-leading PPO*
- Carefully selected network of doctors and hospitals consistently delivering higher-quality care at lower costs
- Engagement tools and decision support for employees
Available to residents of the Charlotte-Concord-Gastonia-York, Hickory-Statesville, Raleigh-Durham-Chapel Hill and Winston-Salem-Greensboro-High Point regions of the Carolinas*
Plus seamless in-network only access across 65+ major U.S. markets*
* Price position is an average based on a comparison of 1Q 2022 rates across a representative sample of plans with comparable plan designs. Actual price positions will vary depending on plan design and policy effective date. Results are subject to change due to issuer rate revisions. Market footprint for 1/1/2023. Urgent and emergent care benefits in non-BlueHPN markets. Market footprint subject to change. In the North Carolina market, BlueHPN available as of 1/1/2023 to employees who live in one of these 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.
No Commission Plans
We offer no commission plans for groups who are not using the service of an agent. These offer a more affordable option when choosing a medical plan.
- Lower-cost plans for the same high-quality care
- Dedicated account management and service
- Various network options available – from our Blue Options full statewide network to BlueHPN offering additional savings
- On-demand access to the employer service portal for plan information and updates – plus online tools to put you in control of your account, including the employee roster, enrollment maintenance and detailed monthly billing statements
“The large network of providers means my employees have a wide selection of doctors to take care of them and their families. Also, when I have questions about our coverage, my Blue Cross NC rep responds so quickly. It’s amazing to have a team supporting me and my business.”
– ONUG Communications, Inc.
Don’t Forget Dental and Vision
Employees get a simplified experience with a single member ID card and portal – helping them create a total health connection.
Dental Makes a Difference
Proper oral health affects our overall health and well-being. That’s why Blue Cross NC takes an integrated approach to dental and medical coverage. From taking care of your total health to lowering costs, integrating with us is a clear win-win for you and your employees. With each of our flexible plans, you get:
- One combined bill and one member ID card
- A dedicated account management support team
- Broad local and national networks
- One portal with access to all Blue Cross NC medical, dental and vision plans through Blue ConnectSM
- Dental care gap reminders for medical members with certain health conditions
- Options for rollover benefits, preventive not applying to the annual maximum, orthodontia with no age limit and more
Along with easy administration and access, we look out for your employees by offering these features as standard:
- Periodontal maintenance covered under basic services
- Composite (white) fillings covered on all teeth
- No missing tooth exclusion or limitation
- Sustained release therapeutic injections to minimize the need for opioid prescriptions
Dental Blue® PreferredSM (PPO)
- Saves money for you and your employees with lower premiums and higher benefits for staying in-network*
- Three cleanings and exams come standard – unique to Dental Blue Preferred
- Preventive Only and Preventive & Basic Only plans available
- Options available with no annual maximum on preventive services
Dental Blue®
- Indemnity-like plan with same benefit level at any provider
- Your employees can save on out-of-pocket expenses by using participating providers*
- Preventive Only and Preventive & Basic Only plans available
- Options available with no annual maximum on preventive services
Dental Blue® SelectSM (shelf-rated)
- Indemnity-like plan with reliable, steady rates because it’s community (shelf) rated
- Three plans from standard to enhanced, including options with implants and orthodontia
- Lifetime deductible your members only need to meet once
* Non-participating providers may bill members the balance for amounts higher than what is allowed for out-of-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.
Vision Plans
Blue 20/20℠ Vision Plans to Meet Your Employees’ Needs
Our Blue 20/20 plans offer your employees a wide network of vision providers. They can choose from independent eye doctors or retail chains and online vision products. Each of our plans has unique features along with great coverage for both in- and out-of-network benefits.
You can choose between employer-paid or voluntary coverage. And, if you purchase with a medical plan, you’ll get one combined bill and one enrollment to save you time!
Choose from Four Flexible Plan Options:
Blue 20/20 Exam Only | Blue 20/20 Exam Plus |
Blue 20/20 Lens & Frame Only |
Blue 20/20 Lens & Frame Plus |
A comprehensive eye exam benefit | A comprehensive eye exam with allowance or copay benefits for materials | An easy-to-use materials allowance | An easy-to-use materials allowance paired with a routine comprehensive eye exams |
Coverage for routine comprehensive eye exams | Coverage for routine comprehensive eye exams | Routine comprehensive eye exams NOT COVERED | Coverage for routine comprehensive eye exams |
Allowance for frames AND a choice of a copayment for lenses OR an allowance for contact lenses | Flat dollar allowance for prescription eyeglasses or contact lenses | Flat dollar allowance for prescription eyeglasses or contact lenses | |
Additional In-Network Savings* | |||
An average of 35% off complete pairs of prescription eyeglasses and prescription sunglasses on initial purchase, and additional pair discount of 40% off | 40% off additional complete sets of prescription eyeglasses and prescription sunglasses | 40% off additional complete sets of prescription eyeglasses and prescription sunglasses | 40% off additional complete sets of prescription eyeglasses and prescription sunglasses |
15% off conventional contact lenses | |||
Discounts of 15% off retail or 5% off promo price for LASIK or PRK | |||
20% off select non-covered items, including non-prescription sunglasses | |||
Special offers on Blue Connect for discounts on frames and lenses, contacts and other vision services and items |
* No discounts for Out-of-Network
“A rare and almost universally fatal pediatric ailment is a parent’s worst nightmare. Issues with insurance coverage is the last thing one should be considering in such a scenario, albeit such is often the case. Despite no facility in North Carolina being able to provide the needed care, our first choice of a leading out-of-state facility was happily in-network. They had her treatment plan approved in a matter of 24-48 hours with our insurance. We can’t know what tomorrow holds, but thankfully in our recent circumstance I had top-tier coverage from Blue Cross NC.”
– Dave P.
Local Group Health and Wellness8
Blue Connect
Member Site
Blue Connect is your personal guide to the tools9 you need to manage your health plan and health care. You can:
- View your deductible, claims and benefits in an instant
- Access important documents like your digital member ID card no matter where you are
- Get health tips, articles and videos on everything from weight loss to prescription costs to dental health
Blue Rewards℠
Program
Our Blue Rewards program10 encourages participation in activities that can improve your employees’ health and well-being. Rewards come in the form of gift cards for activities like registering for Blue Connect, sharing contact preferences or participating in a condition care or care management program.
Blue365® Health & Wellness Discounts
Blue365 gives you access to savings across all aspects of your life – including 20% off on Fitbit® devices; over $800 off LASIK; discounts on healthy, organic meal delivery services like Sunbasket; and much more!11
Preventive Care
Covered Services
Our Preventive Care Services list shows you which services and prescriptions are considered preventive and covered at 100%.
Health Line Blue℠
Nurse Line
Health Line Blue connects you to a trained nurse, 24/7, to get your health questions answered.12
Health Line Blue
Prime Therapeutics® Prescriptions by Mail
Prime Therapeutics13 (Prime) Prescriptions by Mail delivers a 90-day supply of medications by mail. No driving. No waiting.
Prime Overview
Dental B, 6/22; Dental B Select, 6/22; Dental B PPO, 6/22; VIS-EO, 6/22; VIS-EP, 6/22; VIS-LFO, 6/22; VIS-LFP, 6/22; SG BHPN, 5/22; SGBOptions, 5/22.
U40244, 11/22