Group Coverage

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 Options ℠ 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-ofnetwork 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 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 Partnerships SM1, programs that help members manage health conditions like asthma and diabetes, and Blue Extras SM, free value-added programs that provide members discounts on everything from vitamins to gym memberships